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$39,508
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,737
−HK$1,249/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,540
+HK$2,554/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,196/mo
Today · 4.125%
HK$46,327
baseline
▲ 0.50% · 4.625%
HK$48,769
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,654/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,410
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,885
−HK$1,498/mo
Today · 4.125%
HK$50,383
baseline
▲ 0.50% · 4.625%
HK$53,448
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,766/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,743
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,157
−HK$1,435/mo
Today · 4.125%
HK$55,592
baseline
▲ 0.50% · 4.625%
HK$58,523
+HK$2,931/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,184/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,311
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,032
−HK$1,748/mo
Today · 4.125%
HK$58,780
baseline
▲ 0.50% · 4.625%
HK$62,357
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,560/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,533
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,184
−HK$1,674/mo
Today · 4.125%
HK$64,858
baseline
▲ 0.50% · 4.625%
HK$68,277
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,716/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,115
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$73,327
−HK$2,247/mo
Today · 4.125%
HK$75,574
baseline
▲ 0.50% · 4.625%
HK$80,173
+HK$4,599/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,148/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,114
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,236
−HK$2,153/mo
Today · 4.125%
HK$83,389
baseline
▲ 0.50% · 4.625%
HK$87,784
+HK$4,395/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,778/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,733 · Scale 2, in force from 26 Feb 2026)