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$39,752
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,256/mo
Today · 4.125%
HK$42,245
baseline
▲ 0.50% · 4.625%
HK$44,816
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,490/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,224
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,203/mo
Today · 4.125%
HK$46,613
baseline
▲ 0.50% · 4.625%
HK$49,070
+HK$2,457/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,226/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,703
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,187
−HK$1,507/mo
Today · 4.125%
HK$50,694
baseline
▲ 0.50% · 4.625%
HK$53,779
+HK$3,085/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,388/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,069
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,492
−HK$1,444/mo
Today · 4.125%
HK$55,936
baseline
▲ 0.50% · 4.625%
HK$58,885
+HK$2,949/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,872/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,653
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,384
−HK$1,759/mo
Today · 4.125%
HK$59,143
baseline
▲ 0.50% · 4.625%
HK$62,742
+HK$3,599/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,286/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,914
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,574
−HK$1,685/mo
Today · 4.125%
HK$65,259
baseline
▲ 0.50% · 4.625%
HK$68,699
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,518/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,554
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,780
−HK$2,261/mo
Today · 4.125%
HK$76,041
baseline
▲ 0.50% · 4.625%
HK$80,668
+HK$4,627/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,082/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,603
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,738
−HK$2,166/mo
Today · 4.125%
HK$83,904
baseline
▲ 0.50% · 4.625%
HK$88,327
+HK$4,423/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,808/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,749 · Scale 2, in force from 26 Feb 2026)