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$39,510
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,739
−HK$1,248/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,542
+HK$2,555/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,954
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,196/mo
Today · 4.125%
HK$46,329
baseline
▲ 0.50% · 4.625%
HK$48,771
+HK$2,442/mo
Deposit HK$8.66M · loan HK$8.66M · min. income ≈ HK$92,658/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,412
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$48,886
−HK$1,499/mo
Today · 4.125%
HK$50,385
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$3,066/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$100,770/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$54,160
−HK$1,435/mo
Today · 4.125%
HK$55,595
baseline
▲ 0.50% · 4.625%
HK$58,525
+HK$2,930/mo
Deposit HK$6.93M · loan HK$10.40M · min. income ≈ HK$111,190/mo (50% DSR)
Upfront cash ≈ HK$7.58M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,314
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,034
−HK$1,748/mo
Today · 4.125%
HK$58,782
baseline
▲ 0.50% · 4.625%
HK$62,359
+HK$3,577/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$117,564/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,536
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,186
−HK$1,674/mo
Today · 4.125%
HK$64,860
baseline
▲ 0.50% · 4.625%
HK$68,279
+HK$3,419/mo
Deposit HK$5.20M · loan HK$12.13M · min. income ≈ HK$129,720/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,117
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$73,330
−HK$2,247/mo
Today · 4.125%
HK$75,577
baseline
▲ 0.50% · 4.625%
HK$80,176
+HK$4,599/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$151,154/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,117
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$81,239
−HK$2,153/mo
Today · 4.125%
HK$83,392
baseline
▲ 0.50% · 4.625%
HK$87,788
+HK$4,396/mo
Deposit HK$1.73M · loan HK$15.59M · min. income ≈ HK$166,784/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$649,758 · Scale 2, in force from 26 Feb 2026)