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$39,709
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,255/mo
Today · 4.125%
HK$42,199
baseline
▲ 0.50% · 4.625%
HK$44,767
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,398/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,176
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,360
−HK$1,202/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,017
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,651
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,133
−HK$1,506/mo
Today · 4.125%
HK$50,639
baseline
▲ 0.50% · 4.625%
HK$53,720
+HK$3,081/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,278/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,011
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,433
−HK$1,442/mo
Today · 4.125%
HK$55,875
baseline
▲ 0.50% · 4.625%
HK$58,820
+HK$2,945/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,750/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,592
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,322
−HK$1,756/mo
Today · 4.125%
HK$59,078
baseline
▲ 0.50% · 4.625%
HK$62,673
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,156/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,846
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,505
−HK$1,682/mo
Today · 4.125%
HK$65,187
baseline
▲ 0.50% · 4.625%
HK$68,623
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,374/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,476
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,699
−HK$2,259/mo
Today · 4.125%
HK$75,958
baseline
▲ 0.50% · 4.625%
HK$80,580
+HK$4,622/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,916/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,516
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,649
−HK$2,163/mo
Today · 4.125%
HK$83,812
baseline
▲ 0.50% · 4.625%
HK$88,230
+HK$4,418/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,624/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,033 · Scale 2, in force from 26 Feb 2026)