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$39,440
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,666
−HK$1,247/mo
Today · 4.125%
HK$41,913
baseline
▲ 0.50% · 4.625%
HK$44,463
+HK$2,550/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,826/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,876
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,053
−HK$1,194/mo
Today · 4.125%
HK$46,247
baseline
▲ 0.50% · 4.625%
HK$48,684
+HK$2,437/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,494/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,327
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,800
−HK$1,495/mo
Today · 4.125%
HK$50,295
baseline
▲ 0.50% · 4.625%
HK$53,356
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,590/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,651
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,063
−HK$1,433/mo
Today · 4.125%
HK$55,496
baseline
▲ 0.50% · 4.625%
HK$58,421
+HK$2,925/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$110,992/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,933
−HK$1,745/mo
Today · 4.125%
HK$58,678
baseline
▲ 0.50% · 4.625%
HK$62,248
+HK$3,570/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,356/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,427
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,074
−HK$1,671/mo
Today · 4.125%
HK$64,745
baseline
▲ 0.50% · 4.625%
HK$68,158
+HK$3,413/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,490/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,991
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,199
−HK$2,244/mo
Today · 4.125%
HK$75,443
baseline
▲ 0.50% · 4.625%
HK$80,033
+HK$4,590/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,886/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,977
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,095
−HK$2,149/mo
Today · 4.125%
HK$83,244
baseline
▲ 0.50% · 4.625%
HK$87,632
+HK$4,388/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,488/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,604 · Scale 2, in force from 26 Feb 2026)