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$39,723
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,255/mo
Today · 4.125%
HK$42,214
baseline
▲ 0.50% · 4.625%
HK$44,783
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,428/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,192
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,377
−HK$1,202/mo
Today · 4.125%
HK$46,579
baseline
▲ 0.50% · 4.625%
HK$49,034
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,158/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,668
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,506/mo
Today · 4.125%
HK$50,657
baseline
▲ 0.50% · 4.625%
HK$53,739
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,314/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,030
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,452
−HK$1,443/mo
Today · 4.125%
HK$55,895
baseline
▲ 0.50% · 4.625%
HK$58,841
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,790/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,612
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,342
−HK$1,758/mo
Today · 4.125%
HK$59,100
baseline
▲ 0.50% · 4.625%
HK$62,696
+HK$3,596/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$118,200/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,868
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,528
−HK$1,683/mo
Today · 4.125%
HK$65,211
baseline
▲ 0.50% · 4.625%
HK$68,648
+HK$3,437/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$130,422/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,502
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,726
−HK$2,259/mo
Today · 4.125%
HK$75,985
baseline
▲ 0.50% · 4.625%
HK$80,609
+HK$4,624/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,970/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,545
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,678
−HK$2,164/mo
Today · 4.125%
HK$83,842
baseline
▲ 0.50% · 4.625%
HK$88,262
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,684/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,268 · Scale 2, in force from 26 Feb 2026)