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$39,652
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,885
−HK$1,253/mo
Today · 4.125%
HK$42,138
baseline
▲ 0.50% · 4.625%
HK$44,702
+HK$2,564/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,276/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,112
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,295
−HK$1,200/mo
Today · 4.125%
HK$46,495
baseline
▲ 0.50% · 4.625%
HK$48,946
+HK$2,451/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,990/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,582
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,062
−HK$1,504/mo
Today · 4.125%
HK$50,566
baseline
▲ 0.50% · 4.625%
HK$53,643
+HK$3,077/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$101,132/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,935
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,354
−HK$1,440/mo
Today · 4.125%
HK$55,794
baseline
▲ 0.50% · 4.625%
HK$58,735
+HK$2,941/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$111,588/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,512
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,239
−HK$1,754/mo
Today · 4.125%
HK$58,993
baseline
▲ 0.50% · 4.625%
HK$62,583
+HK$3,590/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,986/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,680/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$68,525
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,373
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,593
−HK$2,256/mo
Today · 4.125%
HK$75,849
baseline
▲ 0.50% · 4.625%
HK$80,464
+HK$4,615/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,698/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,402
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,531
−HK$2,161/mo
Today · 4.125%
HK$83,692
baseline
▲ 0.50% · 4.625%
HK$88,103
+HK$4,411/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,384/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,093 · Scale 2, in force from 26 Feb 2026)