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$39,612
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,845
−HK$1,252/mo
Today · 4.125%
HK$42,097
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,561/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,194/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,250
−HK$1,199/mo
Today · 4.125%
HK$46,449
baseline
▲ 0.50% · 4.625%
HK$48,898
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,898/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,014
−HK$1,502/mo
Today · 4.125%
HK$50,516
baseline
▲ 0.50% · 4.625%
HK$53,590
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,032/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,882
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,300
−HK$1,439/mo
Today · 4.125%
HK$55,739
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,478/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,183
−HK$1,752/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,521
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,696
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,678/mo
Today · 4.125%
HK$65,029
baseline
▲ 0.50% · 4.625%
HK$68,457
+HK$3,428/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,058/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,302
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,520
−HK$2,254/mo
Today · 4.125%
HK$75,774
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,548/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,323
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,451
−HK$2,158/mo
Today · 4.125%
HK$83,609
baseline
▲ 0.50% · 4.625%
HK$88,016
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,218/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,448 · Scale 2, in force from 26 Feb 2026)