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$39,478
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,248/mo
Today · 4.125%
HK$41,954
baseline
▲ 0.50% · 4.625%
HK$44,507
+HK$2,553/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,908/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,919
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,097
−HK$1,195/mo
Today · 4.125%
HK$46,292
baseline
▲ 0.50% · 4.625%
HK$48,732
+HK$2,440/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,584/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,374
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$48,847
−HK$1,497/mo
Today · 4.125%
HK$50,344
baseline
▲ 0.50% · 4.625%
HK$53,408
+HK$3,064/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,688/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,703
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$54,116
−HK$1,434/mo
Today · 4.125%
HK$55,550
baseline
▲ 0.50% · 4.625%
HK$58,478
+HK$2,928/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,100/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,269
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,989
−HK$1,746/mo
Today · 4.125%
HK$58,735
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,574/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$117,470/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,487
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,136
−HK$1,673/mo
Today · 4.125%
HK$64,809
baseline
▲ 0.50% · 4.625%
HK$68,225
+HK$3,416/mo
Deposit HK$5.19M · loan HK$12.12M · min. income ≈ HK$129,618/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,061
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$73,271
−HK$2,246/mo
Today · 4.125%
HK$75,517
baseline
▲ 0.50% · 4.625%
HK$80,112
+HK$4,595/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$151,034/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,054
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$81,174
−HK$2,151/mo
Today · 4.125%
HK$83,325
baseline
▲ 0.50% · 4.625%
HK$87,717
+HK$4,392/mo
Deposit HK$1.73M · loan HK$15.58M · min. income ≈ HK$166,650/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,238 · Scale 2, in force from 26 Feb 2026)