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$39,721
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,255/mo
Today · 4.125%
HK$42,212
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,424/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,190
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,202/mo
Today · 4.125%
HK$46,577
baseline
▲ 0.50% · 4.625%
HK$49,032
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,154/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,666
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,148
−HK$1,507/mo
Today · 4.125%
HK$50,655
baseline
▲ 0.50% · 4.625%
HK$53,737
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,310/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,027
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,450
−HK$1,442/mo
Today · 4.125%
HK$55,892
baseline
▲ 0.50% · 4.625%
HK$58,838
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,784/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,610
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,340
−HK$1,757/mo
Today · 4.125%
HK$59,097
baseline
▲ 0.50% · 4.625%
HK$62,693
+HK$3,596/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$118,194/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,865
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,525
−HK$1,683/mo
Today · 4.125%
HK$65,208
baseline
▲ 0.50% · 4.625%
HK$68,645
+HK$3,437/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$130,416/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,498
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,722
−HK$2,260/mo
Today · 4.125%
HK$75,982
baseline
▲ 0.50% · 4.625%
HK$80,605
+HK$4,623/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,964/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,541
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,674
−HK$2,165/mo
Today · 4.125%
HK$83,839
baseline
▲ 0.50% · 4.625%
HK$88,258
+HK$4,419/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,678/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,237 · Scale 2, in force from 26 Feb 2026)