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$39,732
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,256/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,202
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,203/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,679
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,162
−HK$1,506/mo
Today · 4.125%
HK$50,668
baseline
▲ 0.50% · 4.625%
HK$53,752
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,336/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,042
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,465
−HK$1,443/mo
Today · 4.125%
HK$55,908
baseline
▲ 0.50% · 4.625%
HK$58,855
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,816/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,355
−HK$1,758/mo
Today · 4.125%
HK$59,113
baseline
▲ 0.50% · 4.625%
HK$62,710
+HK$3,597/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,226/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,882
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,542
−HK$1,684/mo
Today · 4.125%
HK$65,226
baseline
▲ 0.50% · 4.625%
HK$68,664
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,452/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,518
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,743
−HK$2,260/mo
Today · 4.125%
HK$76,003
baseline
▲ 0.50% · 4.625%
HK$80,627
+HK$4,624/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$152,006/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,563
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,697
−HK$2,165/mo
Today · 4.125%
HK$83,862
baseline
▲ 0.50% · 4.625%
HK$88,282
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,724/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,417 · Scale 2, in force from 26 Feb 2026)