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$39,729
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,256/mo
Today · 4.125%
HK$42,221
baseline
▲ 0.50% · 4.625%
HK$44,790
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,442/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,384
−HK$1,203/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,042
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,675
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,158
−HK$1,507/mo
Today · 4.125%
HK$50,665
baseline
▲ 0.50% · 4.625%
HK$53,748
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,330/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,038
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,461
−HK$1,443/mo
Today · 4.125%
HK$55,904
baseline
▲ 0.50% · 4.625%
HK$58,851
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,808/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,621
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,351
−HK$1,758/mo
Today · 4.125%
HK$59,109
baseline
▲ 0.50% · 4.625%
HK$62,706
+HK$3,597/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,218/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,538
−HK$1,683/mo
Today · 4.125%
HK$65,221
baseline
▲ 0.50% · 4.625%
HK$68,659
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,442/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,513
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,738
−HK$2,260/mo
Today · 4.125%
HK$75,998
baseline
▲ 0.50% · 4.625%
HK$80,622
+HK$4,624/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,996/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,558
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,691
−HK$2,165/mo
Today · 4.125%
HK$83,856
baseline
▲ 0.50% · 4.625%
HK$88,276
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,712/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,372 · Scale 2, in force from 26 Feb 2026)