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$39,574
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,250/mo
Today · 4.125%
HK$42,055
baseline
▲ 0.50% · 4.625%
HK$44,614
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,110/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,025
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,206
−HK$1,198/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$48,850
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,488
−HK$2,978/mo
▼ 0.25% · 3.875%
HK$48,966
−HK$1,500/mo
Today · 4.125%
HK$50,466
baseline
▲ 0.50% · 4.625%
HK$53,537
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,932/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,830
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,247
−HK$1,438/mo
Today · 4.125%
HK$55,685
baseline
▲ 0.50% · 4.625%
HK$58,620
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,370/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,403
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,127
−HK$1,751/mo
Today · 4.125%
HK$58,878
baseline
▲ 0.50% · 4.625%
HK$62,460
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,756/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,636
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$63,289
−HK$1,677/mo
Today · 4.125%
HK$64,966
baseline
▲ 0.50% · 4.625%
HK$68,390
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,932/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,233
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$73,448
−HK$2,252/mo
Today · 4.125%
HK$75,700
baseline
▲ 0.50% · 4.625%
HK$80,306
+HK$4,606/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,400/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,246
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$81,371
−HK$2,156/mo
Today · 4.125%
HK$83,527
baseline
▲ 0.50% · 4.625%
HK$87,930
+HK$4,403/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,054/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,811 · Scale 2, in force from 26 Feb 2026)