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$39,703
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,938
−HK$1,254/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,760
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,169
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,353
−HK$1,202/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,009
+HK$2,454/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,643
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,125
−HK$1,506/mo
Today · 4.125%
HK$50,631
baseline
▲ 0.50% · 4.625%
HK$53,712
+HK$3,081/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$101,262/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,003
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,424
−HK$1,442/mo
Today · 4.125%
HK$55,866
baseline
▲ 0.50% · 4.625%
HK$58,811
+HK$2,945/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$111,732/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,584
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,313
−HK$1,756/mo
Today · 4.125%
HK$59,069
baseline
▲ 0.50% · 4.625%
HK$62,664
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,138/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,682/mo
Today · 4.125%
HK$65,177
baseline
▲ 0.50% · 4.625%
HK$68,613
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,354/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,465
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,688
−HK$2,258/mo
Today · 4.125%
HK$75,946
baseline
▲ 0.50% · 4.625%
HK$80,568
+HK$4,622/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,892/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,504
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,636
−HK$2,163/mo
Today · 4.125%
HK$83,799
baseline
▲ 0.50% · 4.625%
HK$88,217
+HK$4,418/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,598/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,932 · Scale 2, in force from 26 Feb 2026)