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$39,548
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,778
−HK$1,250/mo
Today · 4.125%
HK$42,028
baseline
▲ 0.50% · 4.625%
HK$44,585
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,056/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,996
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,197/mo
Today · 4.125%
HK$46,373
baseline
▲ 0.50% · 4.625%
HK$48,818
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,746/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,457
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,933
−HK$1,500/mo
Today · 4.125%
HK$50,433
baseline
▲ 0.50% · 4.625%
HK$53,502
+HK$3,069/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,866/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,795
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,211
−HK$1,437/mo
Today · 4.125%
HK$55,648
baseline
▲ 0.50% · 4.625%
HK$58,581
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,296/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,367
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,089
−HK$1,750/mo
Today · 4.125%
HK$58,839
baseline
▲ 0.50% · 4.625%
HK$62,419
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,678/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,595
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,247
−HK$1,675/mo
Today · 4.125%
HK$64,922
baseline
▲ 0.50% · 4.625%
HK$68,345
+HK$3,423/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,844/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,186
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,400
−HK$2,250/mo
Today · 4.125%
HK$75,650
baseline
▲ 0.50% · 4.625%
HK$80,253
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,300/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,193
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,317
−HK$2,155/mo
Today · 4.125%
HK$83,472
baseline
▲ 0.50% · 4.625%
HK$87,872
+HK$4,400/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,944/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,380 · Scale 2, in force from 26 Feb 2026)