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$39,730
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,966
−HK$1,256/mo
Today · 4.125%
HK$42,222
baseline
▲ 0.50% · 4.625%
HK$44,791
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,444/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,200
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,385
−HK$1,203/mo
Today · 4.125%
HK$46,588
baseline
▲ 0.50% · 4.625%
HK$49,043
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,176/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,677
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,160
−HK$1,506/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,749
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,040
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,443/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$58,852
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,623
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,353
−HK$1,758/mo
Today · 4.125%
HK$59,111
baseline
▲ 0.50% · 4.625%
HK$62,707
+HK$3,596/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,222/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,880
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,539
−HK$1,684/mo
Today · 4.125%
HK$65,223
baseline
▲ 0.50% · 4.625%
HK$68,661
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,446/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,515
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,739
−HK$2,260/mo
Today · 4.125%
HK$75,999
baseline
▲ 0.50% · 4.625%
HK$80,624
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,998/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,559
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,693
−HK$2,165/mo
Today · 4.125%
HK$83,858
baseline
▲ 0.50% · 4.625%
HK$88,278
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,716/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,388 · Scale 2, in force from 26 Feb 2026)