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$39,564
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$40,795
−HK$1,250/mo
Today · 4.125%
HK$42,045
baseline
▲ 0.50% · 4.625%
HK$44,604
+HK$2,559/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,090/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,198/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$48,838
+HK$2,445/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$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,477
−HK$2,977/mo
▼ 0.25% · 3.875%
HK$48,954
−HK$1,500/mo
Today · 4.125%
HK$50,454
baseline
▲ 0.50% · 4.625%
HK$53,524
+HK$3,070/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$100,908/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,818
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$54,234
−HK$1,437/mo
Today · 4.125%
HK$55,671
baseline
▲ 0.50% · 4.625%
HK$58,606
+HK$2,935/mo
Deposit HK$6.94M · loan HK$10.41M · min. income ≈ HK$111,342/mo (50% DSR)
Upfront cash ≈ HK$7.59M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,390
−HK$3,473/mo
▼ 0.25% · 3.875%
HK$57,113
−HK$1,750/mo
Today · 4.125%
HK$58,863
baseline
▲ 0.50% · 4.625%
HK$62,445
+HK$3,582/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,726/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,621
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$63,273
−HK$1,677/mo
Today · 4.125%
HK$64,950
baseline
▲ 0.50% · 4.625%
HK$68,374
+HK$3,424/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,900/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,216
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$73,431
−HK$2,251/mo
Today · 4.125%
HK$75,682
baseline
▲ 0.50% · 4.625%
HK$80,287
+HK$4,605/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$151,364/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,227
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$81,352
−HK$2,155/mo
Today · 4.125%
HK$83,507
baseline
▲ 0.50% · 4.625%
HK$87,909
+HK$4,402/mo
Deposit HK$1.74M · loan HK$15.62M · min. income ≈ HK$167,014/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$650,655 · Scale 2, in force from 26 Feb 2026)