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$39,494
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,249/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,524
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,115
−HK$1,195/mo
Today · 4.125%
HK$46,310
baseline
▲ 0.50% · 4.625%
HK$48,751
+HK$2,441/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,620/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,393
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,498/mo
Today · 4.125%
HK$50,365
baseline
▲ 0.50% · 4.625%
HK$53,429
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,730/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,724
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$54,138
−HK$1,434/mo
Today · 4.125%
HK$55,572
baseline
▲ 0.50% · 4.625%
HK$58,502
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,144/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,291
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,011
−HK$1,748/mo
Today · 4.125%
HK$58,759
baseline
▲ 0.50% · 4.625%
HK$62,334
+HK$3,575/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$117,518/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,511
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,161
−HK$1,673/mo
Today · 4.125%
HK$64,834
baseline
▲ 0.50% · 4.625%
HK$68,252
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.12M · min. income ≈ HK$129,668/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,089
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,300
−HK$2,247/mo
Today · 4.125%
HK$75,547
baseline
▲ 0.50% · 4.625%
HK$80,144
+HK$4,597/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,094/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,086
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,207
−HK$2,152/mo
Today · 4.125%
HK$83,359
baseline
▲ 0.50% · 4.625%
HK$87,753
+HK$4,394/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,718/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,498 · Scale 2, in force from 26 Feb 2026)