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$39,541
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,249/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,577
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,989
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,169
−HK$1,196/mo
Today · 4.125%
HK$46,365
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,730/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,449
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,925
−HK$1,500/mo
Today · 4.125%
HK$50,425
baseline
▲ 0.50% · 4.625%
HK$53,493
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,850/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,787
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$54,202
−HK$1,437/mo
Today · 4.125%
HK$55,639
baseline
▲ 0.50% · 4.625%
HK$58,571
+HK$2,932/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,278/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,357
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,079
−HK$1,750/mo
Today · 4.125%
HK$58,829
baseline
▲ 0.50% · 4.625%
HK$62,408
+HK$3,579/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,658/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,584
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,236
−HK$1,676/mo
Today · 4.125%
HK$64,912
baseline
▲ 0.50% · 4.625%
HK$68,333
+HK$3,421/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,824/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,174
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,388
−HK$2,249/mo
Today · 4.125%
HK$75,637
baseline
▲ 0.50% · 4.625%
HK$80,239
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,274/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,180
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,304
−HK$2,154/mo
Today · 4.125%
HK$83,458
baseline
▲ 0.50% · 4.625%
HK$87,857
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,916/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,271 · Scale 2, in force from 26 Feb 2026)