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$39,588
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,251/mo
Today · 4.125%
HK$42,071
baseline
▲ 0.50% · 4.625%
HK$44,631
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,142/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,041
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,223
−HK$1,198/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$48,868
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,506
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,984
−HK$1,501/mo
Today · 4.125%
HK$50,485
baseline
▲ 0.50% · 4.625%
HK$53,557
+HK$3,072/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$100,970/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,850
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$54,267
−HK$1,438/mo
Today · 4.125%
HK$55,705
baseline
▲ 0.50% · 4.625%
HK$58,641
+HK$2,936/mo
Deposit HK$6.94M · loan HK$10.42M · min. income ≈ HK$111,410/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,424
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,752/mo
Today · 4.125%
HK$58,899
baseline
▲ 0.50% · 4.625%
HK$62,483
+HK$3,584/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,798/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,658
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,312
−HK$1,677/mo
Today · 4.125%
HK$64,989
baseline
▲ 0.50% · 4.625%
HK$68,415
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,978/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,259
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$73,475
−HK$2,252/mo
Today · 4.125%
HK$75,727
baseline
▲ 0.50% · 4.625%
HK$80,335
+HK$4,608/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,454/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,275
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,401
−HK$2,157/mo
Today · 4.125%
HK$83,558
baseline
▲ 0.50% · 4.625%
HK$87,962
+HK$4,404/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,116/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,049 · Scale 2, in force from 26 Feb 2026)