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$39,556
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,250/mo
Today · 4.125%
HK$42,036
baseline
▲ 0.50% · 4.625%
HK$44,594
+HK$2,558/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,072/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,185
−HK$1,198/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$48,828
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,467
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,943
−HK$1,500/mo
Today · 4.125%
HK$50,443
baseline
▲ 0.50% · 4.625%
HK$53,513
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,886/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,806
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,222
−HK$1,437/mo
Today · 4.125%
HK$55,659
baseline
▲ 0.50% · 4.625%
HK$58,593
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,318/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,378
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,100
−HK$1,750/mo
Today · 4.125%
HK$58,850
baseline
▲ 0.50% · 4.625%
HK$62,431
+HK$3,581/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,700/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,607
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,260
−HK$1,676/mo
Today · 4.125%
HK$64,936
baseline
▲ 0.50% · 4.625%
HK$68,359
+HK$3,423/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,872/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,200
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,415
−HK$2,250/mo
Today · 4.125%
HK$75,665
baseline
▲ 0.50% · 4.625%
HK$80,269
+HK$4,604/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,330/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,209
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,334
−HK$2,155/mo
Today · 4.125%
HK$83,489
baseline
▲ 0.50% · 4.625%
HK$87,890
+HK$4,401/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,978/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,512 · Scale 2, in force from 26 Feb 2026)