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$39,599
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,831
−HK$1,251/mo
Today · 4.125%
HK$42,082
baseline
▲ 0.50% · 4.625%
HK$44,643
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,164/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,053
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,235
−HK$1,198/mo
Today · 4.125%
HK$46,433
baseline
▲ 0.50% · 4.625%
HK$48,881
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,866/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,519
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,997
−HK$1,501/mo
Today · 4.125%
HK$50,498
baseline
▲ 0.50% · 4.625%
HK$53,571
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,996/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,864
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,282
−HK$1,438/mo
Today · 4.125%
HK$55,720
baseline
▲ 0.50% · 4.625%
HK$58,657
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,440/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,438
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,163
−HK$1,752/mo
Today · 4.125%
HK$58,915
baseline
▲ 0.50% · 4.625%
HK$62,500
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,830/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,675
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,329
−HK$1,678/mo
Today · 4.125%
HK$65,007
baseline
▲ 0.50% · 4.625%
HK$68,433
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,014/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,278
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,495
−HK$2,253/mo
Today · 4.125%
HK$75,748
baseline
▲ 0.50% · 4.625%
HK$80,357
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,496/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,422
−HK$2,158/mo
Today · 4.125%
HK$83,580
baseline
▲ 0.50% · 4.625%
HK$87,986
+HK$4,406/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,160/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,223 · Scale 2, in force from 26 Feb 2026)