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$39,507
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,735
−HK$1,249/mo
Today · 4.125%
HK$41,984
baseline
▲ 0.50% · 4.625%
HK$44,539
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,968/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,951
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,129
−HK$1,196/mo
Today · 4.125%
HK$46,325
baseline
▲ 0.50% · 4.625%
HK$48,767
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,650/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,408
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,883
−HK$1,498/mo
Today · 4.125%
HK$50,381
baseline
▲ 0.50% · 4.625%
HK$53,446
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,762/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,741
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,155
−HK$1,435/mo
Today · 4.125%
HK$55,590
baseline
▲ 0.50% · 4.625%
HK$58,521
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,180/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,309
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,030
−HK$1,748/mo
Today · 4.125%
HK$58,778
baseline
▲ 0.50% · 4.625%
HK$62,354
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,556/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,531
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,181
−HK$1,674/mo
Today · 4.125%
HK$64,855
baseline
▲ 0.50% · 4.625%
HK$68,274
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,710/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,112
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,324
−HK$2,247/mo
Today · 4.125%
HK$75,571
baseline
▲ 0.50% · 4.625%
HK$80,170
+HK$4,599/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,142/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,111
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,233
−HK$2,152/mo
Today · 4.125%
HK$83,385
baseline
▲ 0.50% · 4.625%
HK$87,781
+HK$4,396/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,770/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,707 · Scale 2, in force from 26 Feb 2026)