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$39,562
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,250/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,601
+HK$2,559/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,012
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,192
−HK$1,198/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$48,835
+HK$2,445/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,474
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,951
−HK$1,500/mo
Today · 4.125%
HK$50,451
baseline
▲ 0.50% · 4.625%
HK$53,521
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,902/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,814
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,231
−HK$1,437/mo
Today · 4.125%
HK$55,668
baseline
▲ 0.50% · 4.625%
HK$58,602
+HK$2,934/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,336/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,109
−HK$1,750/mo
Today · 4.125%
HK$58,859
baseline
▲ 0.50% · 4.625%
HK$62,441
+HK$3,582/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$117,718/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,617
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,269
−HK$1,677/mo
Today · 4.125%
HK$64,946
baseline
▲ 0.50% · 4.625%
HK$68,369
+HK$3,423/mo
Deposit HK$5.20M · loan HK$12.14M · min. income ≈ HK$129,892/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,211
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$73,426
−HK$2,250/mo
Today · 4.125%
HK$75,676
baseline
▲ 0.50% · 4.625%
HK$80,281
+HK$4,605/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$151,352/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,221
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,346
−HK$2,155/mo
Today · 4.125%
HK$83,501
baseline
▲ 0.50% · 4.625%
HK$87,903
+HK$4,402/mo
Deposit HK$1.73M · loan HK$15.61M · min. income ≈ HK$167,002/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,612 · Scale 2, in force from 26 Feb 2026)