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$39,551
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,781
−HK$1,250/mo
Today · 4.125%
HK$42,031
baseline
▲ 0.50% · 4.625%
HK$44,589
+HK$2,558/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,062/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,000
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,180
−HK$1,197/mo
Today · 4.125%
HK$46,377
baseline
▲ 0.50% · 4.625%
HK$48,822
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,754/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,461
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,937
−HK$1,500/mo
Today · 4.125%
HK$50,437
baseline
▲ 0.50% · 4.625%
HK$53,506
+HK$3,069/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,874/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,800
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,216
−HK$1,437/mo
Today · 4.125%
HK$55,653
baseline
▲ 0.50% · 4.625%
HK$58,586
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,306/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,371
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,094
−HK$1,749/mo
Today · 4.125%
HK$58,843
baseline
▲ 0.50% · 4.625%
HK$62,424
+HK$3,581/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,686/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,600
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,252
−HK$1,676/mo
Today · 4.125%
HK$64,928
baseline
▲ 0.50% · 4.625%
HK$68,350
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,856/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,192
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$73,406
−HK$2,250/mo
Today · 4.125%
HK$75,656
baseline
▲ 0.50% · 4.625%
HK$80,259
+HK$4,603/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,312/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,200
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$81,324
−HK$2,155/mo
Today · 4.125%
HK$83,479
baseline
▲ 0.50% · 4.625%
HK$87,879
+HK$4,400/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,958/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,435 · Scale 2, in force from 26 Feb 2026)