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$39,483
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,711
−HK$1,248/mo
Today · 4.125%
HK$41,959
baseline
▲ 0.50% · 4.625%
HK$44,512
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,918/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,925
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,103
−HK$1,195/mo
Today · 4.125%
HK$46,298
baseline
▲ 0.50% · 4.625%
HK$48,738
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,596/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,380
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$48,854
−HK$1,497/mo
Today · 4.125%
HK$50,351
baseline
▲ 0.50% · 4.625%
HK$53,415
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,702/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,710
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,123
−HK$1,434/mo
Today · 4.125%
HK$55,557
baseline
▲ 0.50% · 4.625%
HK$58,486
+HK$2,929/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,114/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,276
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$56,996
−HK$1,747/mo
Today · 4.125%
HK$58,743
baseline
▲ 0.50% · 4.625%
HK$62,317
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,486/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,494
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,144
−HK$1,673/mo
Today · 4.125%
HK$64,817
baseline
▲ 0.50% · 4.625%
HK$68,233
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,634/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,070
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,280
−HK$2,246/mo
Today · 4.125%
HK$75,526
baseline
▲ 0.50% · 4.625%
HK$80,122
+HK$4,596/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,052/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,064
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$81,185
−HK$2,151/mo
Today · 4.125%
HK$83,336
baseline
▲ 0.50% · 4.625%
HK$87,729
+HK$4,393/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,672/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,322 · Scale 2, in force from 26 Feb 2026)