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$39,740
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,977
−HK$1,255/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,570/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,397
−HK$1,202/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,056
+HK$2,457/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,688
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,172
−HK$1,507/mo
Today · 4.125%
HK$50,679
baseline
▲ 0.50% · 4.625%
HK$53,763
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,358/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,053
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,476
−HK$1,443/mo
Today · 4.125%
HK$55,919
baseline
▲ 0.50% · 4.625%
HK$58,867
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,838/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,637
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,367
−HK$1,758/mo
Today · 4.125%
HK$59,125
baseline
▲ 0.50% · 4.625%
HK$62,723
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,250/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,895
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,555
−HK$1,684/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$68,678
+HK$3,439/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,533
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,758
−HK$2,260/mo
Today · 4.125%
HK$76,018
baseline
▲ 0.50% · 4.625%
HK$80,644
+HK$4,626/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,036/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,579
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,714
−HK$2,165/mo
Today · 4.125%
HK$83,879
baseline
▲ 0.50% · 4.625%
HK$88,300
+HK$4,421/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,758/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,552 · Scale 2, in force from 26 Feb 2026)