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$39,449
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,676
−HK$1,247/mo
Today · 4.125%
HK$41,923
baseline
▲ 0.50% · 4.625%
HK$44,474
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,846/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,887
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,064
−HK$1,194/mo
Today · 4.125%
HK$46,258
baseline
▲ 0.50% · 4.625%
HK$48,696
+HK$2,438/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,516/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,339
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$48,812
−HK$1,496/mo
Today · 4.125%
HK$50,308
baseline
▲ 0.50% · 4.625%
HK$53,369
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,616/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,664
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$54,077
−HK$1,433/mo
Today · 4.125%
HK$55,510
baseline
▲ 0.50% · 4.625%
HK$58,436
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,020/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,229
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,947
−HK$1,745/mo
Today · 4.125%
HK$58,692
baseline
▲ 0.50% · 4.625%
HK$62,264
+HK$3,572/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,384/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,442
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,090
−HK$1,671/mo
Today · 4.125%
HK$64,761
baseline
▲ 0.50% · 4.625%
HK$68,175
+HK$3,414/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,522/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,009
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$73,218
−HK$2,244/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$80,053
+HK$4,591/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,997
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,115
−HK$2,149/mo
Today · 4.125%
HK$83,264
baseline
▲ 0.50% · 4.625%
HK$87,653
+HK$4,389/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,528/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,765 · Scale 2, in force from 26 Feb 2026)