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$39,543
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,250/mo
Today · 4.125%
HK$42,023
baseline
▲ 0.50% · 4.625%
HK$44,580
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,046/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,991
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,171
−HK$1,197/mo
Today · 4.125%
HK$46,368
baseline
▲ 0.50% · 4.625%
HK$48,812
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,736/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,452
−HK$2,975/mo
▼ 0.25% · 3.875%
HK$48,928
−HK$1,499/mo
Today · 4.125%
HK$50,427
baseline
▲ 0.50% · 4.625%
HK$53,496
+HK$3,069/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,854/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,790
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,205
−HK$1,437/mo
Today · 4.125%
HK$55,642
baseline
▲ 0.50% · 4.625%
HK$58,575
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,284/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,360
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,082
−HK$1,750/mo
Today · 4.125%
HK$58,832
baseline
▲ 0.50% · 4.625%
HK$62,412
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,664/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,588
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,240
−HK$1,675/mo
Today · 4.125%
HK$64,915
baseline
▲ 0.50% · 4.625%
HK$68,337
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,830/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,178
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,392
−HK$2,249/mo
Today · 4.125%
HK$75,641
baseline
▲ 0.50% · 4.625%
HK$80,244
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,282/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,184
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,308
−HK$2,154/mo
Today · 4.125%
HK$83,462
baseline
▲ 0.50% · 4.625%
HK$87,862
+HK$4,400/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,924/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,307 · Scale 2, in force from 26 Feb 2026)