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$39,499
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,728
−HK$1,248/mo
Today · 4.125%
HK$41,976
baseline
▲ 0.50% · 4.625%
HK$44,530
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,952/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,943
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,196/mo
Today · 4.125%
HK$46,317
baseline
▲ 0.50% · 4.625%
HK$48,758
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,634/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,399
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,874
−HK$1,497/mo
Today · 4.125%
HK$50,371
baseline
▲ 0.50% · 4.625%
HK$53,436
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,742/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,731
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,145
−HK$1,435/mo
Today · 4.125%
HK$55,580
baseline
▲ 0.50% · 4.625%
HK$58,510
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,160/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,299
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,019
−HK$1,748/mo
Today · 4.125%
HK$58,767
baseline
▲ 0.50% · 4.625%
HK$62,343
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,534/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,520
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,169
−HK$1,674/mo
Today · 4.125%
HK$64,843
baseline
▲ 0.50% · 4.625%
HK$68,261
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,686/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,099
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,310
−HK$2,247/mo
Today · 4.125%
HK$75,557
baseline
▲ 0.50% · 4.625%
HK$80,155
+HK$4,598/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,114/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,097
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,218
−HK$2,152/mo
Today · 4.125%
HK$83,370
baseline
▲ 0.50% · 4.625%
HK$87,764
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,740/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,587 · Scale 2, in force from 26 Feb 2026)