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$39,492
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,721
−HK$1,248/mo
Today · 4.125%
HK$41,969
baseline
▲ 0.50% · 4.625%
HK$44,522
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,938/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,935
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,113
−HK$1,195/mo
Today · 4.125%
HK$46,308
baseline
▲ 0.50% · 4.625%
HK$48,749
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,616/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,391
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,865
−HK$1,497/mo
Today · 4.125%
HK$50,362
baseline
▲ 0.50% · 4.625%
HK$53,427
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,724/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,722
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,136
−HK$1,434/mo
Today · 4.125%
HK$55,570
baseline
▲ 0.50% · 4.625%
HK$58,499
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,140/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,289
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,009
−HK$1,747/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$62,331
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,512/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,509
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,674/mo
Today · 4.125%
HK$64,832
baseline
▲ 0.50% · 4.625%
HK$68,249
+HK$3,417/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,664/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,086
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,297
−HK$2,247/mo
Today · 4.125%
HK$75,544
baseline
▲ 0.50% · 4.625%
HK$80,140
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,088/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,082
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,203
−HK$2,152/mo
Today · 4.125%
HK$83,355
baseline
▲ 0.50% · 4.625%
HK$87,749
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,710/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,471 · Scale 2, in force from 26 Feb 2026)