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$39,627
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,859
−HK$1,253/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,674
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,199/mo
Today · 4.125%
HK$46,466
baseline
▲ 0.50% · 4.625%
HK$48,916
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,932/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,552
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,503/mo
Today · 4.125%
HK$50,534
baseline
▲ 0.50% · 4.625%
HK$53,609
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,068/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,901
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,320
−HK$1,439/mo
Today · 4.125%
HK$55,759
baseline
▲ 0.50% · 4.625%
HK$58,699
+HK$2,940/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,518/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,478
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,203
−HK$1,754/mo
Today · 4.125%
HK$58,957
baseline
▲ 0.50% · 4.625%
HK$62,544
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,914/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,718
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,374
−HK$1,679/mo
Today · 4.125%
HK$65,053
baseline
▲ 0.50% · 4.625%
HK$68,482
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,106/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,328
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,547
−HK$2,254/mo
Today · 4.125%
HK$75,801
baseline
▲ 0.50% · 4.625%
HK$80,414
+HK$4,613/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,602/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,352
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,480
−HK$2,159/mo
Today · 4.125%
HK$83,639
baseline
▲ 0.50% · 4.625%
HK$88,048
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,278/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,685 · Scale 2, in force from 26 Feb 2026)