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$39,585
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,816
−HK$1,251/mo
Today · 4.125%
HK$42,067
baseline
▲ 0.50% · 4.625%
HK$44,627
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,134/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,038
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,219
−HK$1,198/mo
Today · 4.125%
HK$46,417
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,834/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,502
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,979
−HK$1,502/mo
Today · 4.125%
HK$50,481
baseline
▲ 0.50% · 4.625%
HK$53,552
+HK$3,071/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$100,962/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,845
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,262
−HK$1,438/mo
Today · 4.125%
HK$55,700
baseline
▲ 0.50% · 4.625%
HK$58,636
+HK$2,936/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$111,400/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,419
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,751/mo
Today · 4.125%
HK$58,894
baseline
▲ 0.50% · 4.625%
HK$62,477
+HK$3,583/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,788/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,653
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,306
−HK$1,678/mo
Today · 4.125%
HK$64,984
baseline
▲ 0.50% · 4.625%
HK$68,409
+HK$3,425/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,968/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,253
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,469
−HK$2,252/mo
Today · 4.125%
HK$75,721
baseline
▲ 0.50% · 4.625%
HK$80,328
+HK$4,607/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,442/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,268
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$81,394
−HK$2,156/mo
Today · 4.125%
HK$83,550
baseline
▲ 0.50% · 4.625%
HK$87,954
+HK$4,404/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,100/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,993 · Scale 2, in force from 26 Feb 2026)