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$39,616
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,849
−HK$1,252/mo
Today · 4.125%
HK$42,101
baseline
▲ 0.50% · 4.625%
HK$44,662
+HK$2,561/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,202/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,073
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,199/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,540
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,018
−HK$1,503/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,595
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,887
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,439/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$58,683
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,463
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,188
−HK$1,753/mo
Today · 4.125%
HK$58,941
baseline
▲ 0.50% · 4.625%
HK$62,527
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,882/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,702
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,678/mo
Today · 4.125%
HK$65,035
baseline
▲ 0.50% · 4.625%
HK$68,464
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,070/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,309
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$2,253/mo
Today · 4.125%
HK$75,781
baseline
▲ 0.50% · 4.625%
HK$80,392
+HK$4,611/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,562/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,331
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,158/mo
Today · 4.125%
HK$83,617
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$4,408/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,234/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,512 · Scale 2, in force from 26 Feb 2026)