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$39,535
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,764
−HK$1,250/mo
Today · 4.125%
HK$42,014
baseline
▲ 0.50% · 4.625%
HK$44,570
+HK$2,556/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,028/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,982
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,197/mo
Today · 4.125%
HK$46,358
baseline
▲ 0.50% · 4.625%
HK$48,802
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,716/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,442
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,917
−HK$1,500/mo
Today · 4.125%
HK$50,417
baseline
▲ 0.50% · 4.625%
HK$53,484
+HK$3,067/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,834/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,778
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,194
−HK$1,436/mo
Today · 4.125%
HK$55,630
baseline
▲ 0.50% · 4.625%
HK$58,562
+HK$2,932/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,260/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,349
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,070
−HK$1,749/mo
Today · 4.125%
HK$58,819
baseline
▲ 0.50% · 4.625%
HK$62,398
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,638/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,575
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,226
−HK$1,675/mo
Today · 4.125%
HK$64,901
baseline
▲ 0.50% · 4.625%
HK$68,322
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,802/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,162
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,376
−HK$2,249/mo
Today · 4.125%
HK$75,625
baseline
▲ 0.50% · 4.625%
HK$80,227
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,250/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,167
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,291
−HK$2,154/mo
Today · 4.125%
HK$83,445
baseline
▲ 0.50% · 4.625%
HK$87,843
+HK$4,398/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,890/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,169 · Scale 2, in force from 26 Feb 2026)