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$39,521
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,751
−HK$1,249/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,555
+HK$2,555/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,967
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,146
−HK$1,196/mo
Today · 4.125%
HK$46,342
baseline
▲ 0.50% · 4.625%
HK$48,785
+HK$2,443/mo
Deposit HK$8.67M · loan HK$8.67M · min. income ≈ HK$92,684/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,425
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,498/mo
Today · 4.125%
HK$50,399
baseline
▲ 0.50% · 4.625%
HK$53,466
+HK$3,067/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,798/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,760
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$54,175
−HK$1,436/mo
Today · 4.125%
HK$55,611
baseline
▲ 0.50% · 4.625%
HK$58,542
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,222/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,330
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,051
−HK$1,748/mo
Today · 4.125%
HK$58,799
baseline
▲ 0.50% · 4.625%
HK$62,377
+HK$3,578/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,598/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,554
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,205
−HK$1,674/mo
Today · 4.125%
HK$64,879
baseline
▲ 0.50% · 4.625%
HK$68,299
+HK$3,420/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,758/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,138
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$73,351
−HK$2,248/mo
Today · 4.125%
HK$75,599
baseline
▲ 0.50% · 4.625%
HK$80,199
+HK$4,600/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$151,198/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,141
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,263
−HK$2,153/mo
Today · 4.125%
HK$83,416
baseline
▲ 0.50% · 4.625%
HK$87,813
+HK$4,397/mo
Deposit HK$1.73M · loan HK$15.60M · min. income ≈ HK$166,832/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,947 · Scale 2, in force from 26 Feb 2026)