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$39,613
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,846
−HK$1,252/mo
Today · 4.125%
HK$42,098
baseline
▲ 0.50% · 4.625%
HK$44,659
+HK$2,561/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,196/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,070
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,199/mo
Today · 4.125%
HK$46,450
baseline
▲ 0.50% · 4.625%
HK$48,899
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,900/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,536
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,015
−HK$1,502/mo
Today · 4.125%
HK$50,517
baseline
▲ 0.50% · 4.625%
HK$53,591
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,034/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,883
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,302
−HK$1,439/mo
Today · 4.125%
HK$55,741
baseline
▲ 0.50% · 4.625%
HK$58,679
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,482/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,459
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,184
−HK$1,753/mo
Today · 4.125%
HK$58,937
baseline
▲ 0.50% · 4.625%
HK$62,523
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,874/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,697
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,679/mo
Today · 4.125%
HK$65,031
baseline
▲ 0.50% · 4.625%
HK$68,458
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,062/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,304
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,522
−HK$2,254/mo
Today · 4.125%
HK$75,776
baseline
▲ 0.50% · 4.625%
HK$80,386
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,552/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,325
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,453
−HK$2,158/mo
Today · 4.125%
HK$83,611
baseline
▲ 0.50% · 4.625%
HK$88,018
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,222/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,463 · Scale 2, in force from 26 Feb 2026)