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$39,486
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,714
−HK$1,248/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,516
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,106
−HK$1,195/mo
Today · 4.125%
HK$46,301
baseline
▲ 0.50% · 4.625%
HK$48,742
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,602/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,383
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,857
−HK$1,498/mo
Today · 4.125%
HK$50,355
baseline
▲ 0.50% · 4.625%
HK$53,419
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,710/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,127
−HK$1,434/mo
Today · 4.125%
HK$55,561
baseline
▲ 0.50% · 4.625%
HK$58,490
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,122/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,281
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$57,000
−HK$1,747/mo
Today · 4.125%
HK$58,747
baseline
▲ 0.50% · 4.625%
HK$62,322
+HK$3,575/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,494/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,499
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,148
−HK$1,674/mo
Today · 4.125%
HK$64,822
baseline
▲ 0.50% · 4.625%
HK$68,239
+HK$3,417/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,644/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,075
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$73,286
−HK$2,246/mo
Today · 4.125%
HK$75,532
baseline
▲ 0.50% · 4.625%
HK$80,128
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,064/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,070
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,191
−HK$2,151/mo
Today · 4.125%
HK$83,342
baseline
▲ 0.50% · 4.625%
HK$87,735
+HK$4,393/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,684/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,370 · Scale 2, in force from 26 Feb 2026)