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$39,619
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,852
−HK$1,252/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,666
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,076
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,258
−HK$1,200/mo
Today · 4.125%
HK$46,458
baseline
▲ 0.50% · 4.625%
HK$48,906
+HK$2,448/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,916/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,543
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,022
−HK$1,503/mo
Today · 4.125%
HK$50,525
baseline
▲ 0.50% · 4.625%
HK$53,599
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,050/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,310
−HK$1,439/mo
Today · 4.125%
HK$55,749
baseline
▲ 0.50% · 4.625%
HK$58,688
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,498/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,467
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,193
−HK$1,752/mo
Today · 4.125%
HK$58,945
baseline
▲ 0.50% · 4.625%
HK$62,532
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,890/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,707
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,362
−HK$1,679/mo
Today · 4.125%
HK$65,041
baseline
▲ 0.50% · 4.625%
HK$68,469
+HK$3,428/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,082/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,315
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,533
−HK$2,254/mo
Today · 4.125%
HK$75,787
baseline
▲ 0.50% · 4.625%
HK$80,399
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,574/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,337
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,465
−HK$2,159/mo
Today · 4.125%
HK$83,624
baseline
▲ 0.50% · 4.625%
HK$88,031
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,248/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,563 · Scale 2, in force from 26 Feb 2026)