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$39,622
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,855
−HK$1,252/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,669
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,079
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,199/mo
Today · 4.125%
HK$46,461
baseline
▲ 0.50% · 4.625%
HK$48,910
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,922/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,547
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,026
−HK$1,502/mo
Today · 4.125%
HK$50,528
baseline
▲ 0.50% · 4.625%
HK$53,603
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,056/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,895
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,314
−HK$1,439/mo
Today · 4.125%
HK$55,753
baseline
▲ 0.50% · 4.625%
HK$58,692
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,506/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,471
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,197
−HK$1,753/mo
Today · 4.125%
HK$58,950
baseline
▲ 0.50% · 4.625%
HK$62,537
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,900/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,711
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,366
−HK$1,679/mo
Today · 4.125%
HK$65,045
baseline
▲ 0.50% · 4.625%
HK$68,474
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,090/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,320
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,539
−HK$2,254/mo
Today · 4.125%
HK$75,793
baseline
▲ 0.50% · 4.625%
HK$80,404
+HK$4,611/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,586/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,343
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,471
−HK$2,159/mo
Today · 4.125%
HK$83,630
baseline
▲ 0.50% · 4.625%
HK$88,038
+HK$4,408/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,260/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,610 · Scale 2, in force from 26 Feb 2026)