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$39,615
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,847
−HK$1,252/mo
Today · 4.125%
HK$42,099
baseline
▲ 0.50% · 4.625%
HK$44,660
+HK$2,561/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,198/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,071
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,253
−HK$1,199/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$48,900
+HK$2,448/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,538
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,016
−HK$1,503/mo
Today · 4.125%
HK$50,519
baseline
▲ 0.50% · 4.625%
HK$53,593
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,038/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,885
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,303
−HK$1,439/mo
Today · 4.125%
HK$55,742
baseline
▲ 0.50% · 4.625%
HK$58,681
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,484/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,461
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,752/mo
Today · 4.125%
HK$58,938
baseline
▲ 0.50% · 4.625%
HK$62,525
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,876/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,699
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,354
−HK$1,679/mo
Today · 4.125%
HK$65,033
baseline
▲ 0.50% · 4.625%
HK$68,461
+HK$3,428/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,066/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,306
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,524
−HK$2,254/mo
Today · 4.125%
HK$75,778
baseline
▲ 0.50% · 4.625%
HK$80,389
+HK$4,611/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,556/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,328
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,455
−HK$2,158/mo
Today · 4.125%
HK$83,613
baseline
▲ 0.50% · 4.625%
HK$88,021
+HK$4,408/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,226/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,484 · Scale 2, in force from 26 Feb 2026)