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$39,506
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,735
−HK$1,248/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,538
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,950
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,128
−HK$1,196/mo
Today · 4.125%
HK$46,324
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,648/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,407
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,882
−HK$1,498/mo
Today · 4.125%
HK$50,380
baseline
▲ 0.50% · 4.625%
HK$53,445
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,760/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,740
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,154
−HK$1,435/mo
Today · 4.125%
HK$55,589
baseline
▲ 0.50% · 4.625%
HK$58,519
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,178/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,308
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,028
−HK$1,748/mo
Today · 4.125%
HK$58,776
baseline
▲ 0.50% · 4.625%
HK$62,353
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,552/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,530
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,674/mo
Today · 4.125%
HK$64,854
baseline
▲ 0.50% · 4.625%
HK$68,272
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,708/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,110
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,322
−HK$2,248/mo
Today · 4.125%
HK$75,570
baseline
▲ 0.50% · 4.625%
HK$80,168
+HK$4,598/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,140/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,110
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$81,231
−HK$2,153/mo
Today · 4.125%
HK$83,384
baseline
▲ 0.50% · 4.625%
HK$87,779
+HK$4,395/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,768/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,693 · Scale 2, in force from 26 Feb 2026)