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$39,607
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,839
−HK$1,252/mo
Today · 4.125%
HK$42,091
baseline
▲ 0.50% · 4.625%
HK$44,652
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,182/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,062
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,244
−HK$1,199/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,528
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,502/mo
Today · 4.125%
HK$50,509
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,018/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,875
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,293
−HK$1,438/mo
Today · 4.125%
HK$55,731
baseline
▲ 0.50% · 4.625%
HK$58,669
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,462/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,174
−HK$1,753/mo
Today · 4.125%
HK$58,927
baseline
▲ 0.50% · 4.625%
HK$62,512
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,854/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,687
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,678/mo
Today · 4.125%
HK$65,020
baseline
▲ 0.50% · 4.625%
HK$68,447
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,040/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,292
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,510
−HK$2,253/mo
Today · 4.125%
HK$75,763
baseline
▲ 0.50% · 4.625%
HK$80,373
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,526/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,312
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,439
−HK$2,158/mo
Today · 4.125%
HK$83,597
baseline
▲ 0.50% · 4.625%
HK$88,004
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,194/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,357 · Scale 2, in force from 26 Feb 2026)