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$39,429
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$40,655
−HK$1,246/mo
Today · 4.125%
HK$41,901
baseline
▲ 0.50% · 4.625%
HK$44,451
+HK$2,550/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,802/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,864
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$45,040
−HK$1,194/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$48,671
+HK$2,437/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,314
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$48,786
−HK$1,495/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$53,341
+HK$3,060/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,637
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$54,048
−HK$1,433/mo
Today · 4.125%
HK$55,481
baseline
▲ 0.50% · 4.625%
HK$58,405
+HK$2,924/mo
Deposit HK$6.92M · loan HK$10.37M · min. income ≈ HK$110,962/mo (50% DSR)
Upfront cash ≈ HK$7.56M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,200
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,917
−HK$1,745/mo
Today · 4.125%
HK$58,662
baseline
▲ 0.50% · 4.625%
HK$62,231
+HK$3,569/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$117,324/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,410
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,057
−HK$1,670/mo
Today · 4.125%
HK$64,727
baseline
▲ 0.50% · 4.625%
HK$68,139
+HK$3,412/mo
Deposit HK$5.19M · loan HK$12.10M · min. income ≈ HK$129,454/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,972
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$2,243/mo
Today · 4.125%
HK$75,422
baseline
▲ 0.50% · 4.625%
HK$80,011
+HK$4,589/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$150,844/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,955
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$81,073
−HK$2,148/mo
Today · 4.125%
HK$83,221
baseline
▲ 0.50% · 4.625%
HK$87,608
+HK$4,387/mo
Deposit HK$1.73M · loan HK$15.56M · min. income ≈ HK$166,442/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,426 · Scale 2, in force from 26 Feb 2026)