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$39,647
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,881
−HK$1,253/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,200/mo
Today · 4.125%
HK$46,490
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,451/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,980/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,577
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,057
−HK$1,503/mo
Today · 4.125%
HK$50,560
baseline
▲ 0.50% · 4.625%
HK$53,637
+HK$3,077/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,120/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,929
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,348
−HK$1,440/mo
Today · 4.125%
HK$55,788
baseline
▲ 0.50% · 4.625%
HK$58,729
+HK$2,941/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,576/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,506
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,233
−HK$1,754/mo
Today · 4.125%
HK$58,987
baseline
▲ 0.50% · 4.625%
HK$62,576
+HK$3,589/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,974/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,750
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,406
−HK$1,680/mo
Today · 4.125%
HK$65,086
baseline
▲ 0.50% · 4.625%
HK$68,517
+HK$3,431/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,172/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,365
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,585
−HK$2,256/mo
Today · 4.125%
HK$75,841
baseline
▲ 0.50% · 4.625%
HK$80,455
+HK$4,614/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,682/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,393
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,523
−HK$2,160/mo
Today · 4.125%
HK$83,683
baseline
▲ 0.50% · 4.625%
HK$88,094
+HK$4,411/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,366/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,023 · Scale 2, in force from 26 Feb 2026)