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$39,627
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,252/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,267
−HK$1,200/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$48,916
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,553
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,032
−HK$1,503/mo
Today · 4.125%
HK$50,535
baseline
▲ 0.50% · 4.625%
HK$53,610
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,070/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,902
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,321
−HK$1,439/mo
Today · 4.125%
HK$55,760
baseline
▲ 0.50% · 4.625%
HK$58,699
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,520/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,478
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,204
−HK$1,753/mo
Today · 4.125%
HK$58,957
baseline
▲ 0.50% · 4.625%
HK$62,544
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,914/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,719
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,374
−HK$1,679/mo
Today · 4.125%
HK$65,053
baseline
▲ 0.50% · 4.625%
HK$68,482
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,106/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,329
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,548
−HK$2,254/mo
Today · 4.125%
HK$75,802
baseline
▲ 0.50% · 4.625%
HK$80,414
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,604/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,353
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,481
−HK$2,159/mo
Today · 4.125%
HK$83,640
baseline
▲ 0.50% · 4.625%
HK$88,049
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,280/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,691 · Scale 2, in force from 26 Feb 2026)