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$39,617
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,849
−HK$1,252/mo
Today · 4.125%
HK$42,101
baseline
▲ 0.50% · 4.625%
HK$44,663
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,202/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,073
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,199/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,540
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,019
−HK$1,502/mo
Today · 4.125%
HK$50,521
baseline
▲ 0.50% · 4.625%
HK$53,595
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,042/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,888
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,439/mo
Today · 4.125%
HK$55,745
baseline
▲ 0.50% · 4.625%
HK$58,684
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,490/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,463
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,189
−HK$1,752/mo
Today · 4.125%
HK$58,941
baseline
▲ 0.50% · 4.625%
HK$62,528
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,882/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,702
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,679/mo
Today · 4.125%
HK$65,036
baseline
▲ 0.50% · 4.625%
HK$68,464
+HK$3,428/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,072/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,310
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$2,254/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$80,393
+HK$4,611/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,332
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,159/mo
Today · 4.125%
HK$83,618
baseline
▲ 0.50% · 4.625%
HK$88,025
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,236/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,517 · Scale 2, in force from 26 Feb 2026)