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$39,516
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,249/mo
Today · 4.125%
HK$41,994
baseline
▲ 0.50% · 4.625%
HK$44,549
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,988/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,961
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,140
−HK$1,196/mo
Today · 4.125%
HK$46,336
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,672/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,419
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,499/mo
Today · 4.125%
HK$50,393
baseline
▲ 0.50% · 4.625%
HK$53,459
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,786/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,753
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,168
−HK$1,435/mo
Today · 4.125%
HK$55,603
baseline
▲ 0.50% · 4.625%
HK$58,534
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,206/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,322
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,043
−HK$1,748/mo
Today · 4.125%
HK$58,791
baseline
▲ 0.50% · 4.625%
HK$62,369
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,582/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,545
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,196
−HK$1,674/mo
Today · 4.125%
HK$64,870
baseline
▲ 0.50% · 4.625%
HK$68,290
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,740/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,128
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,341
−HK$2,248/mo
Today · 4.125%
HK$75,589
baseline
▲ 0.50% · 4.625%
HK$80,188
+HK$4,599/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,178/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,130
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,252
−HK$2,153/mo
Today · 4.125%
HK$83,405
baseline
▲ 0.50% · 4.625%
HK$87,801
+HK$4,396/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,810/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,858 · Scale 2, in force from 26 Feb 2026)