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$39,446
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$40,672
−HK$1,247/mo
Today · 4.125%
HK$41,919
baseline
▲ 0.50% · 4.625%
HK$44,470
+HK$2,551/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$83,838/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,883
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,060
−HK$1,194/mo
Today · 4.125%
HK$46,254
baseline
▲ 0.50% · 4.625%
HK$48,692
+HK$2,438/mo
Deposit HK$8.65M · loan HK$8.65M · min. income ≈ HK$92,508/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,335
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$48,807
−HK$1,496/mo
Today · 4.125%
HK$50,303
baseline
▲ 0.50% · 4.625%
HK$53,364
+HK$3,061/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$100,606/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,659
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$54,072
−HK$1,432/mo
Today · 4.125%
HK$55,504
baseline
▲ 0.50% · 4.625%
HK$58,430
+HK$2,926/mo
Deposit HK$6.92M · loan HK$10.38M · min. income ≈ HK$111,008/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,224
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,941
−HK$1,746/mo
Today · 4.125%
HK$58,687
baseline
▲ 0.50% · 4.625%
HK$62,258
+HK$3,571/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$117,374/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,436
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,083
−HK$1,672/mo
Today · 4.125%
HK$64,755
baseline
▲ 0.50% · 4.625%
HK$68,168
+HK$3,413/mo
Deposit HK$5.19M · loan HK$12.11M · min. income ≈ HK$129,510/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,002
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$73,210
−HK$2,244/mo
Today · 4.125%
HK$75,454
baseline
▲ 0.50% · 4.625%
HK$80,046
+HK$4,592/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$150,908/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,989
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$81,107
−HK$2,149/mo
Today · 4.125%
HK$83,256
baseline
▲ 0.50% · 4.625%
HK$87,645
+HK$4,389/mo
Deposit HK$1.73M · loan HK$15.57M · min. income ≈ HK$166,512/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$648,702 · Scale 2, in force from 26 Feb 2026)