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$39,737
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,973
−HK$1,256/mo
Today · 4.125%
HK$42,229
baseline
▲ 0.50% · 4.625%
HK$44,798
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,458/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,207
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,202/mo
Today · 4.125%
HK$46,595
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,457/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,190/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,684
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,168
−HK$1,507/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,758
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,048
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,471
−HK$1,444/mo
Today · 4.125%
HK$55,915
baseline
▲ 0.50% · 4.625%
HK$58,862
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,830/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,632
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,362
−HK$1,758/mo
Today · 4.125%
HK$59,120
baseline
▲ 0.50% · 4.625%
HK$62,718
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,240/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,890
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,550
−HK$1,684/mo
Today · 4.125%
HK$65,234
baseline
▲ 0.50% · 4.625%
HK$68,672
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,468/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,527
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,752
−HK$2,260/mo
Today · 4.125%
HK$76,012
baseline
▲ 0.50% · 4.625%
HK$80,637
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$152,024/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,573
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,707
−HK$2,165/mo
Today · 4.125%
HK$83,872
baseline
▲ 0.50% · 4.625%
HK$88,293
+HK$4,421/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,744/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,497 · Scale 2, in force from 26 Feb 2026)