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$39,716
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,951
−HK$1,255/mo
Today · 4.125%
HK$42,206
baseline
▲ 0.50% · 4.625%
HK$44,774
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,412/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,183
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,368
−HK$1,202/mo
Today · 4.125%
HK$46,570
baseline
▲ 0.50% · 4.625%
HK$49,025
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,140/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,659
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,141
−HK$1,506/mo
Today · 4.125%
HK$50,647
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,294/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,020
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,442
−HK$1,442/mo
Today · 4.125%
HK$55,884
baseline
▲ 0.50% · 4.625%
HK$58,830
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,768/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,602
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,332
−HK$1,757/mo
Today · 4.125%
HK$59,089
baseline
▲ 0.50% · 4.625%
HK$62,684
+HK$3,595/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$118,178/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,857
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,516
−HK$1,683/mo
Today · 4.125%
HK$65,199
baseline
▲ 0.50% · 4.625%
HK$68,635
+HK$3,436/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$130,398/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,488
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,712
−HK$2,259/mo
Today · 4.125%
HK$75,971
baseline
▲ 0.50% · 4.625%
HK$80,594
+HK$4,623/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,942/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,530
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,663
−HK$2,164/mo
Today · 4.125%
HK$83,827
baseline
▲ 0.50% · 4.625%
HK$88,245
+HK$4,418/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,654/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,146 · Scale 2, in force from 26 Feb 2026)