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$39,719
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,955
−HK$1,255/mo
Today · 4.125%
HK$42,210
baseline
▲ 0.50% · 4.625%
HK$44,778
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,420/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,187
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,372
−HK$1,202/mo
Today · 4.125%
HK$46,574
baseline
▲ 0.50% · 4.625%
HK$49,029
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,148/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,663
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,145
−HK$1,507/mo
Today · 4.125%
HK$50,652
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,304/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,024
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,447
−HK$1,442/mo
Today · 4.125%
HK$55,889
baseline
▲ 0.50% · 4.625%
HK$58,835
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,778/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,607
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,336
−HK$1,758/mo
Today · 4.125%
HK$59,094
baseline
▲ 0.50% · 4.625%
HK$62,689
+HK$3,595/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$118,188/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,862
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,521
−HK$1,683/mo
Today · 4.125%
HK$65,204
baseline
▲ 0.50% · 4.625%
HK$68,641
+HK$3,437/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$130,408/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,494
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,718
−HK$2,260/mo
Today · 4.125%
HK$75,978
baseline
▲ 0.50% · 4.625%
HK$80,601
+HK$4,623/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,956/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,537
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,670
−HK$2,164/mo
Today · 4.125%
HK$83,834
baseline
▲ 0.50% · 4.625%
HK$88,253
+HK$4,419/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,668/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,201 · Scale 2, in force from 26 Feb 2026)