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$39,565
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,796
−HK$1,251/mo
Today · 4.125%
HK$42,047
baseline
▲ 0.50% · 4.625%
HK$44,605
+HK$2,558/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,094/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,016
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,197
−HK$1,197/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,479
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,955
−HK$1,501/mo
Today · 4.125%
HK$50,456
baseline
▲ 0.50% · 4.625%
HK$53,526
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,912/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,819
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,236
−HK$1,437/mo
Today · 4.125%
HK$55,673
baseline
▲ 0.50% · 4.625%
HK$58,608
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,346/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,392
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,115
−HK$1,750/mo
Today · 4.125%
HK$58,865
baseline
▲ 0.50% · 4.625%
HK$62,447
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,730/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,275
−HK$1,677/mo
Today · 4.125%
HK$64,952
baseline
▲ 0.50% · 4.625%
HK$68,376
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,904/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,218
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,433
−HK$2,251/mo
Today · 4.125%
HK$75,684
baseline
▲ 0.50% · 4.625%
HK$80,289
+HK$4,605/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,368/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,229
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,354
−HK$2,156/mo
Today · 4.125%
HK$83,510
baseline
▲ 0.50% · 4.625%
HK$87,912
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,020/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,675 · Scale 2, in force from 26 Feb 2026)