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$39,513
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,248/mo
Today · 4.125%
HK$41,991
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,982/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,958
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,137
−HK$1,196/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$48,776
+HK$2,443/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,416
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,499/mo
Today · 4.125%
HK$50,390
baseline
▲ 0.50% · 4.625%
HK$53,456
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,780/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,750
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,165
−HK$1,435/mo
Today · 4.125%
HK$55,600
baseline
▲ 0.50% · 4.625%
HK$58,531
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,200/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,319
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,040
−HK$1,748/mo
Today · 4.125%
HK$58,788
baseline
▲ 0.50% · 4.625%
HK$62,365
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,576/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,542
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,192
−HK$1,675/mo
Today · 4.125%
HK$64,867
baseline
▲ 0.50% · 4.625%
HK$68,286
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,734/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,124
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,337
−HK$2,247/mo
Today · 4.125%
HK$75,584
baseline
▲ 0.50% · 4.625%
HK$80,184
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,168/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,125
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,247
−HK$2,153/mo
Today · 4.125%
HK$83,400
baseline
▲ 0.50% · 4.625%
HK$87,796
+HK$4,396/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,800/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,820 · Scale 2, in force from 26 Feb 2026)