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$39,650
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,884
−HK$1,253/mo
Today · 4.125%
HK$42,137
baseline
▲ 0.50% · 4.625%
HK$44,701
+HK$2,564/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,274/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,111
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,294
−HK$1,200/mo
Today · 4.125%
HK$46,494
baseline
▲ 0.50% · 4.625%
HK$48,945
+HK$2,451/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,988/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,580
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,060
−HK$1,504/mo
Today · 4.125%
HK$50,564
baseline
▲ 0.50% · 4.625%
HK$53,641
+HK$3,077/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$101,128/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,933
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,352
−HK$1,441/mo
Today · 4.125%
HK$55,793
baseline
▲ 0.50% · 4.625%
HK$58,733
+HK$2,940/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$111,586/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,511
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,755/mo
Today · 4.125%
HK$58,992
baseline
▲ 0.50% · 4.625%
HK$62,581
+HK$3,589/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,984/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,755
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,680/mo
Today · 4.125%
HK$65,091
baseline
▲ 0.50% · 4.625%
HK$68,522
+HK$3,431/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,182/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,371
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,591
−HK$2,255/mo
Today · 4.125%
HK$75,846
baseline
▲ 0.50% · 4.625%
HK$80,461
+HK$4,615/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,692/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,399
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,529
−HK$2,160/mo
Today · 4.125%
HK$83,689
baseline
▲ 0.50% · 4.625%
HK$88,100
+HK$4,411/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,378/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,072 · Scale 2, in force from 26 Feb 2026)