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$39,578
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,809
−HK$1,251/mo
Today · 4.125%
HK$42,060
baseline
▲ 0.50% · 4.625%
HK$44,619
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,120/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,211
−HK$1,198/mo
Today · 4.125%
HK$46,409
baseline
▲ 0.50% · 4.625%
HK$48,855
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,818/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,493
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,971
−HK$1,501/mo
Today · 4.125%
HK$50,472
baseline
▲ 0.50% · 4.625%
HK$53,543
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,944/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,836
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,253
−HK$1,437/mo
Today · 4.125%
HK$55,690
baseline
▲ 0.50% · 4.625%
HK$58,626
+HK$2,936/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,380/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,409
−HK$3,474/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,751/mo
Today · 4.125%
HK$58,883
baseline
▲ 0.50% · 4.625%
HK$62,466
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,766/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,642
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,295
−HK$1,677/mo
Today · 4.125%
HK$64,972
baseline
▲ 0.50% · 4.625%
HK$68,397
+HK$3,425/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,944/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,240
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,456
−HK$2,251/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$80,314
+HK$4,607/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,254
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,379
−HK$2,157/mo
Today · 4.125%
HK$83,536
baseline
▲ 0.50% · 4.625%
HK$87,939
+HK$4,403/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,072/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,877 · Scale 2, in force from 26 Feb 2026)