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$39,763
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,257/mo
Today · 4.125%
HK$42,257
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,514/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,236
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,423
−HK$1,203/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,084
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,716
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,200
−HK$1,508/mo
Today · 4.125%
HK$50,708
baseline
▲ 0.50% · 4.625%
HK$53,794
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$101,416/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,084
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,445/mo
Today · 4.125%
HK$55,952
baseline
▲ 0.50% · 4.625%
HK$58,901
+HK$2,949/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$111,904/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,669
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,400
−HK$1,760/mo
Today · 4.125%
HK$59,160
baseline
▲ 0.50% · 4.625%
HK$62,760
+HK$3,600/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,320/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,931
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,592
−HK$1,685/mo
Today · 4.125%
HK$65,277
baseline
▲ 0.50% · 4.625%
HK$68,718
+HK$3,441/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,554/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,574
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,801
−HK$2,262/mo
Today · 4.125%
HK$76,063
baseline
▲ 0.50% · 4.625%
HK$80,691
+HK$4,628/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,126/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,626
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,761
−HK$2,167/mo
Today · 4.125%
HK$83,928
baseline
▲ 0.50% · 4.625%
HK$88,352
+HK$4,424/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,856/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,932 · Scale 2, in force from 26 Feb 2026)