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$39,647
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,880
−HK$1,253/mo
Today · 4.125%
HK$42,133
baseline
▲ 0.50% · 4.625%
HK$44,696
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,266/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,106
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,200/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$48,940
+HK$2,451/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,576
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,503/mo
Today · 4.125%
HK$50,559
baseline
▲ 0.50% · 4.625%
HK$53,636
+HK$3,077/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,118/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,928
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,347
−HK$1,440/mo
Today · 4.125%
HK$55,787
baseline
▲ 0.50% · 4.625%
HK$58,728
+HK$2,941/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,574/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,505
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,754/mo
Today · 4.125%
HK$58,986
baseline
▲ 0.50% · 4.625%
HK$62,575
+HK$3,589/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,972/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,749
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,680/mo
Today · 4.125%
HK$65,085
baseline
▲ 0.50% · 4.625%
HK$68,516
+HK$3,431/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,170/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,364
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,584
−HK$2,255/mo
Today · 4.125%
HK$75,839
baseline
▲ 0.50% · 4.625%
HK$80,454
+HK$4,615/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,678/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,392
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,521
−HK$2,160/mo
Today · 4.125%
HK$83,681
baseline
▲ 0.50% · 4.625%
HK$88,092
+HK$4,411/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,362/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,009 · Scale 2, in force from 26 Feb 2026)