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$39,634
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,867
−HK$1,253/mo
Today · 4.125%
HK$42,120
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,240/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,093
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,275
−HK$1,200/mo
Today · 4.125%
HK$46,475
baseline
▲ 0.50% · 4.625%
HK$48,925
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,950/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,561
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,040
−HK$1,504/mo
Today · 4.125%
HK$50,544
baseline
▲ 0.50% · 4.625%
HK$53,619
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,088/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,911
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,330
−HK$1,440/mo
Today · 4.125%
HK$55,770
baseline
▲ 0.50% · 4.625%
HK$58,709
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,540/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,488
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,214
−HK$1,753/mo
Today · 4.125%
HK$58,967
baseline
▲ 0.50% · 4.625%
HK$62,555
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,934/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,730
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,385
−HK$1,680/mo
Today · 4.125%
HK$65,065
baseline
▲ 0.50% · 4.625%
HK$68,494
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,130/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,342
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,561
−HK$2,254/mo
Today · 4.125%
HK$75,815
baseline
▲ 0.50% · 4.625%
HK$80,428
+HK$4,613/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,630/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,367
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,495
−HK$2,160/mo
Today · 4.125%
HK$83,655
baseline
▲ 0.50% · 4.625%
HK$88,064
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,310/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,805 · Scale 2, in force from 26 Feb 2026)