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$39,501
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,730
−HK$1,248/mo
Today · 4.125%
HK$41,978
baseline
▲ 0.50% · 4.625%
HK$44,533
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,956/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,945
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,196/mo
Today · 4.125%
HK$46,319
baseline
▲ 0.50% · 4.625%
HK$48,761
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,638/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,402
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$48,876
−HK$1,498/mo
Today · 4.125%
HK$50,374
baseline
▲ 0.50% · 4.625%
HK$53,439
+HK$3,065/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$100,748/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,734
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$54,148
−HK$1,435/mo
Today · 4.125%
HK$55,583
baseline
▲ 0.50% · 4.625%
HK$58,513
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.39M · min. income ≈ HK$111,166/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,302
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,022
−HK$1,748/mo
Today · 4.125%
HK$58,770
baseline
▲ 0.50% · 4.625%
HK$62,346
+HK$3,576/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,540/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,523
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,173
−HK$1,674/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,265
+HK$3,418/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,103
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$73,314
−HK$2,247/mo
Today · 4.125%
HK$75,561
baseline
▲ 0.50% · 4.625%
HK$80,159
+HK$4,598/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,122/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,101
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$81,222
−HK$2,152/mo
Today · 4.125%
HK$83,374
baseline
▲ 0.50% · 4.625%
HK$87,769
+HK$4,395/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,748/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,621 · Scale 2, in force from 26 Feb 2026)