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$39,600
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,251/mo
Today · 4.125%
HK$42,083
baseline
▲ 0.50% · 4.625%
HK$44,644
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,166/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,055
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,199/mo
Today · 4.125%
HK$46,435
baseline
▲ 0.50% · 4.625%
HK$48,882
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,870/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,520
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,998
−HK$1,502/mo
Today · 4.125%
HK$50,500
baseline
▲ 0.50% · 4.625%
HK$53,573
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,000/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,865
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,283
−HK$1,439/mo
Today · 4.125%
HK$55,722
baseline
▲ 0.50% · 4.625%
HK$58,659
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,444/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,440
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,164
−HK$1,752/mo
Today · 4.125%
HK$58,916
baseline
▲ 0.50% · 4.625%
HK$62,501
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,832/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,676
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,330
−HK$1,678/mo
Today · 4.125%
HK$65,008
baseline
▲ 0.50% · 4.625%
HK$68,435
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,016/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,280
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,497
−HK$2,253/mo
Today · 4.125%
HK$75,750
baseline
▲ 0.50% · 4.625%
HK$80,359
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,500/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,298
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,425
−HK$2,157/mo
Today · 4.125%
HK$83,582
baseline
▲ 0.50% · 4.625%
HK$87,988
+HK$4,406/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,164/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,242 · Scale 2, in force from 26 Feb 2026)