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$39,441
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,668
−HK$1,247/mo
Today · 4.125%
HK$41,915
baseline
▲ 0.50% · 4.625%
HK$44,465
+HK$2,550/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,830/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,878
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,055
−HK$1,194/mo
Today · 4.125%
HK$46,249
baseline
▲ 0.50% · 4.625%
HK$48,687
+HK$2,438/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,498/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,330
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,802
−HK$1,496/mo
Today · 4.125%
HK$50,298
baseline
▲ 0.50% · 4.625%
HK$53,358
+HK$3,060/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,596/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,654
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,066
−HK$1,433/mo
Today · 4.125%
HK$55,499
baseline
▲ 0.50% · 4.625%
HK$58,424
+HK$2,925/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$110,998/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,936
−HK$1,745/mo
Today · 4.125%
HK$58,681
baseline
▲ 0.50% · 4.625%
HK$62,251
+HK$3,570/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,362/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,077
−HK$1,671/mo
Today · 4.125%
HK$64,748
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,413/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,496/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,995
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,203
−HK$2,244/mo
Today · 4.125%
HK$75,447
baseline
▲ 0.50% · 4.625%
HK$80,037
+HK$4,590/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,894/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,981
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,099
−HK$2,149/mo
Today · 4.125%
HK$83,248
baseline
▲ 0.50% · 4.625%
HK$87,636
+HK$4,388/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,496/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,635 · Scale 2, in force from 26 Feb 2026)