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$39,565
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,251/mo
Today · 4.125%
HK$42,046
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,558/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,092/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,196
−HK$1,197/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$48,839
+HK$2,446/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,786/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,955
−HK$1,500/mo
Today · 4.125%
HK$50,455
baseline
▲ 0.50% · 4.625%
HK$53,525
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,910/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,818
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$54,235
−HK$1,437/mo
Today · 4.125%
HK$55,672
baseline
▲ 0.50% · 4.625%
HK$58,607
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,344/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,391
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,114
−HK$1,750/mo
Today · 4.125%
HK$58,864
baseline
▲ 0.50% · 4.625%
HK$62,446
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,728/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,622
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,274
−HK$1,677/mo
Today · 4.125%
HK$64,951
baseline
▲ 0.50% · 4.625%
HK$68,374
+HK$3,423/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,902/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,217
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,432
−HK$2,251/mo
Today · 4.125%
HK$75,683
baseline
▲ 0.50% · 4.625%
HK$80,288
+HK$4,605/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,366/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,228
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,353
−HK$2,155/mo
Today · 4.125%
HK$83,508
baseline
▲ 0.50% · 4.625%
HK$87,910
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,016/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,664 · Scale 2, in force from 26 Feb 2026)