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$39,624
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,857
−HK$1,252/mo
Today · 4.125%
HK$42,109
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,218/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,081
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,264
−HK$1,199/mo
Today · 4.125%
HK$46,463
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,926/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,549
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,503/mo
Today · 4.125%
HK$50,531
baseline
▲ 0.50% · 4.625%
HK$53,605
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,062/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,898
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,316
−HK$1,440/mo
Today · 4.125%
HK$55,756
baseline
▲ 0.50% · 4.625%
HK$58,695
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,512/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,474
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,199
−HK$1,753/mo
Today · 4.125%
HK$58,952
baseline
▲ 0.50% · 4.625%
HK$62,540
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,904/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,714
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,369
−HK$1,679/mo
Today · 4.125%
HK$65,048
baseline
▲ 0.50% · 4.625%
HK$68,477
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,096/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,323
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,542
−HK$2,254/mo
Today · 4.125%
HK$75,796
baseline
▲ 0.50% · 4.625%
HK$80,408
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,592/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,346
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,475
−HK$2,158/mo
Today · 4.125%
HK$83,633
baseline
▲ 0.50% · 4.625%
HK$88,042
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,266/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,639 · Scale 2, in force from 26 Feb 2026)