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$39,452
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,679
−HK$1,247/mo
Today · 4.125%
HK$41,926
baseline
▲ 0.50% · 4.625%
HK$44,477
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,852/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,890
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,067
−HK$1,194/mo
Today · 4.125%
HK$46,261
baseline
▲ 0.50% · 4.625%
HK$48,700
+HK$2,439/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,522/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,342
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,496/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$53,372
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,668
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,080
−HK$1,433/mo
Today · 4.125%
HK$55,513
baseline
▲ 0.50% · 4.625%
HK$58,440
+HK$2,927/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,026/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,233
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,951
−HK$1,745/mo
Today · 4.125%
HK$58,696
baseline
▲ 0.50% · 4.625%
HK$62,268
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,392/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,446
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,094
−HK$1,672/mo
Today · 4.125%
HK$64,766
baseline
▲ 0.50% · 4.625%
HK$68,179
+HK$3,413/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,532/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,014
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,222
−HK$2,245/mo
Today · 4.125%
HK$75,467
baseline
▲ 0.50% · 4.625%
HK$80,059
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,934/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,002
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$81,121
−HK$2,149/mo
Today · 4.125%
HK$83,270
baseline
▲ 0.50% · 4.625%
HK$87,659
+HK$4,389/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,540/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,808 · Scale 2, in force from 26 Feb 2026)