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$39,597
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,829
−HK$1,251/mo
Today · 4.125%
HK$42,080
baseline
▲ 0.50% · 4.625%
HK$44,640
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,160/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,051
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,198/mo
Today · 4.125%
HK$46,431
baseline
▲ 0.50% · 4.625%
HK$48,878
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,862/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,516
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,502/mo
Today · 4.125%
HK$50,496
baseline
▲ 0.50% · 4.625%
HK$53,568
+HK$3,072/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,992/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,861
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,279
−HK$1,438/mo
Today · 4.125%
HK$55,717
baseline
▲ 0.50% · 4.625%
HK$58,654
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,434/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,436
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,160
−HK$1,752/mo
Today · 4.125%
HK$58,912
baseline
▲ 0.50% · 4.625%
HK$62,497
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,824/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,672
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,326
−HK$1,677/mo
Today · 4.125%
HK$65,003
baseline
▲ 0.50% · 4.625%
HK$68,430
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,006/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,274
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,491
−HK$2,253/mo
Today · 4.125%
HK$75,744
baseline
▲ 0.50% · 4.625%
HK$80,353
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,488/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,292
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,419
−HK$2,157/mo
Today · 4.125%
HK$83,576
baseline
▲ 0.50% · 4.625%
HK$87,981
+HK$4,405/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,152/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,191 · Scale 2, in force from 26 Feb 2026)