The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$39,550
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,780
−HK$1,250/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,587
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,179
−HK$1,197/mo
Today · 4.125%
HK$46,376
baseline
▲ 0.50% · 4.625%
HK$48,820
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,752/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,460
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,936
−HK$1,500/mo
Today · 4.125%
HK$50,436
baseline
▲ 0.50% · 4.625%
HK$53,505
+HK$3,069/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,872/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,798
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,214
−HK$1,437/mo
Today · 4.125%
HK$55,651
baseline
▲ 0.50% · 4.625%
HK$58,584
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,302/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,370
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,092
−HK$1,750/mo
Today · 4.125%
HK$58,842
baseline
▲ 0.50% · 4.625%
HK$62,422
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,684/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,598
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,250
−HK$1,676/mo
Today · 4.125%
HK$64,926
baseline
▲ 0.50% · 4.625%
HK$68,348
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,852/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,189
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,404
−HK$2,250/mo
Today · 4.125%
HK$75,654
baseline
▲ 0.50% · 4.625%
HK$80,257
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,308/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,198
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,322
−HK$2,154/mo
Today · 4.125%
HK$83,476
baseline
▲ 0.50% · 4.625%
HK$87,877
+HK$4,401/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,952/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,416 · Scale 2, in force from 26 Feb 2026)