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$39,476
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,704
−HK$1,248/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,504
+HK$2,552/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,917
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,095
−HK$1,195/mo
Today · 4.125%
HK$46,290
baseline
▲ 0.50% · 4.625%
HK$48,730
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,580/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,371
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,497/mo
Today · 4.125%
HK$50,342
baseline
▲ 0.50% · 4.625%
HK$53,405
+HK$3,063/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$100,684/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,700
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,114
−HK$1,433/mo
Today · 4.125%
HK$55,547
baseline
▲ 0.50% · 4.625%
HK$58,475
+HK$2,928/mo
Deposit HK$6.92M · loan HK$10.39M · min. income ≈ HK$111,094/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,267
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,986
−HK$1,746/mo
Today · 4.125%
HK$58,732
baseline
▲ 0.50% · 4.625%
HK$62,306
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,464/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,484
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,133
−HK$1,672/mo
Today · 4.125%
HK$64,805
baseline
▲ 0.50% · 4.625%
HK$68,221
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,610/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,057
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,267
−HK$2,246/mo
Today · 4.125%
HK$75,513
baseline
▲ 0.50% · 4.625%
HK$80,108
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,026/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,050
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,170
−HK$2,151/mo
Today · 4.125%
HK$83,321
baseline
▲ 0.50% · 4.625%
HK$87,713
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,642/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,207 · Scale 2, in force from 26 Feb 2026)