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$39,539
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,250/mo
Today · 4.125%
HK$42,019
baseline
▲ 0.50% · 4.625%
HK$44,576
+HK$2,557/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,038/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,987
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,167
−HK$1,197/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$48,808
+HK$2,444/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,447
−HK$2,976/mo
▼ 0.25% · 3.875%
HK$48,923
−HK$1,500/mo
Today · 4.125%
HK$50,423
baseline
▲ 0.50% · 4.625%
HK$53,491
+HK$3,068/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$100,846/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,785
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,200
−HK$1,436/mo
Today · 4.125%
HK$55,636
baseline
▲ 0.50% · 4.625%
HK$58,569
+HK$2,933/mo
Deposit HK$6.94M · loan HK$10.40M · min. income ≈ HK$111,272/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,355
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,077
−HK$1,749/mo
Today · 4.125%
HK$58,826
baseline
▲ 0.50% · 4.625%
HK$62,406
+HK$3,580/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,652/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,582
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,234
−HK$1,675/mo
Today · 4.125%
HK$64,909
baseline
▲ 0.50% · 4.625%
HK$68,331
+HK$3,422/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,818/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,171
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$73,385
−HK$2,249/mo
Today · 4.125%
HK$75,634
baseline
▲ 0.50% · 4.625%
HK$80,236
+HK$4,602/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,268/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,177
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$81,300
−HK$2,155/mo
Today · 4.125%
HK$83,455
baseline
▲ 0.50% · 4.625%
HK$87,854
+HK$4,399/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$166,910/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$650,246 · Scale 2, in force from 26 Feb 2026)