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$39,745
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,981
−HK$1,256/mo
Today · 4.125%
HK$42,237
baseline
▲ 0.50% · 4.625%
HK$44,807
+HK$2,570/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,474/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,216
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,402
−HK$1,203/mo
Today · 4.125%
HK$46,605
baseline
▲ 0.50% · 4.625%
HK$49,061
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,210/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,694
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,508/mo
Today · 4.125%
HK$50,685
baseline
▲ 0.50% · 4.625%
HK$53,769
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,370/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,059
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,443/mo
Today · 4.125%
HK$55,925
baseline
▲ 0.50% · 4.625%
HK$58,873
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,850/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,374
−HK$1,758/mo
Today · 4.125%
HK$59,132
baseline
▲ 0.50% · 4.625%
HK$62,730
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,264/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,902
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,562
−HK$1,684/mo
Today · 4.125%
HK$65,246
baseline
▲ 0.50% · 4.625%
HK$68,686
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,492/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,541
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,766
−HK$2,261/mo
Today · 4.125%
HK$76,027
baseline
▲ 0.50% · 4.625%
HK$80,653
+HK$4,626/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,054/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,588
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,723
−HK$2,165/mo
Today · 4.125%
HK$83,888
baseline
▲ 0.50% · 4.625%
HK$88,310
+HK$4,422/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,776/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,625 · Scale 2, in force from 26 Feb 2026)