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$39,491
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,248/mo
Today · 4.125%
HK$41,967
baseline
▲ 0.50% · 4.625%
HK$44,521
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,934/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,933
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,111
−HK$1,195/mo
Today · 4.125%
HK$46,306
baseline
▲ 0.50% · 4.625%
HK$48,747
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,612/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,389
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,497/mo
Today · 4.125%
HK$50,360
baseline
▲ 0.50% · 4.625%
HK$53,425
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,720/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,719
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,133
−HK$1,435/mo
Today · 4.125%
HK$55,568
baseline
▲ 0.50% · 4.625%
HK$58,497
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,136/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,287
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,007
−HK$1,747/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$62,329
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,506
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,156
−HK$1,673/mo
Today · 4.125%
HK$64,829
baseline
▲ 0.50% · 4.625%
HK$68,246
+HK$3,417/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,658/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,083
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,294
−HK$2,247/mo
Today · 4.125%
HK$75,541
baseline
▲ 0.50% · 4.625%
HK$80,137
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,082/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,079
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,200
−HK$2,152/mo
Today · 4.125%
HK$83,352
baseline
▲ 0.50% · 4.625%
HK$87,745
+HK$4,393/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,704/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,444 · Scale 2, in force from 26 Feb 2026)