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$39,465
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,248/mo
Today · 4.125%
HK$41,940
baseline
▲ 0.50% · 4.625%
HK$44,492
+HK$2,552/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,880/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,904
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,194/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$48,715
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,358
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,831
−HK$1,497/mo
Today · 4.125%
HK$50,328
baseline
▲ 0.50% · 4.625%
HK$53,390
+HK$3,062/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,656/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,685
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,098
−HK$1,433/mo
Today · 4.125%
HK$55,531
baseline
▲ 0.50% · 4.625%
HK$58,459
+HK$2,928/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,062/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,969
−HK$1,746/mo
Today · 4.125%
HK$58,715
baseline
▲ 0.50% · 4.625%
HK$62,288
+HK$3,573/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,430/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,466
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,114
−HK$1,673/mo
Today · 4.125%
HK$64,787
baseline
▲ 0.50% · 4.625%
HK$68,202
+HK$3,415/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,574/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,037
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$73,246
−HK$2,245/mo
Today · 4.125%
HK$75,491
baseline
▲ 0.50% · 4.625%
HK$80,085
+HK$4,594/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$150,982/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,028
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$81,147
−HK$2,150/mo
Today · 4.125%
HK$83,297
baseline
▲ 0.50% · 4.625%
HK$87,688
+HK$4,391/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,594/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,020 · Scale 2, in force from 26 Feb 2026)