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$39,443
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,670
−HK$1,246/mo
Today · 4.125%
HK$41,916
baseline
▲ 0.50% · 4.625%
HK$44,467
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,832/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,880
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,057
−HK$1,194/mo
Today · 4.125%
HK$46,251
baseline
▲ 0.50% · 4.625%
HK$48,689
+HK$2,438/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,502/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,332
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,804
−HK$1,496/mo
Today · 4.125%
HK$50,300
baseline
▲ 0.50% · 4.625%
HK$53,360
+HK$3,060/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,600/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,656
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,068
−HK$1,433/mo
Today · 4.125%
HK$55,501
baseline
▲ 0.50% · 4.625%
HK$58,426
+HK$2,925/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,002/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,220
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,938
−HK$1,745/mo
Today · 4.125%
HK$58,683
baseline
▲ 0.50% · 4.625%
HK$62,254
+HK$3,571/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,366/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,432
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,080
−HK$1,671/mo
Today · 4.125%
HK$64,751
baseline
▲ 0.50% · 4.625%
HK$68,164
+HK$3,413/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,502/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,997
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,206
−HK$2,244/mo
Today · 4.125%
HK$75,450
baseline
▲ 0.50% · 4.625%
HK$80,041
+HK$4,591/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,900/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,984
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,102
−HK$2,149/mo
Today · 4.125%
HK$83,251
baseline
▲ 0.50% · 4.625%
HK$87,640
+HK$4,389/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,502/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,662 · Scale 2, in force from 26 Feb 2026)