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$39,524
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,753
−HK$1,250/mo
Today · 4.125%
HK$42,003
baseline
▲ 0.50% · 4.625%
HK$44,558
+HK$2,555/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,006/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,970
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,149
−HK$1,197/mo
Today · 4.125%
HK$46,346
baseline
▲ 0.50% · 4.625%
HK$48,789
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,692/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,429
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,499/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,470
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,764
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,179
−HK$1,436/mo
Today · 4.125%
HK$55,615
baseline
▲ 0.50% · 4.625%
HK$58,546
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,230/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,334
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,055
−HK$1,749/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$62,382
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,209
−HK$1,675/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,304
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,143
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$73,356
−HK$2,249/mo
Today · 4.125%
HK$75,605
baseline
▲ 0.50% · 4.625%
HK$80,205
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,210/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,146
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$81,269
−HK$2,153/mo
Today · 4.125%
HK$83,422
baseline
▲ 0.50% · 4.625%
HK$87,820
+HK$4,398/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,844/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,994 · Scale 2, in force from 26 Feb 2026)