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$39,629
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,253/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,087
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,269
−HK$1,199/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$48,918
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,034
−HK$1,503/mo
Today · 4.125%
HK$50,537
baseline
▲ 0.50% · 4.625%
HK$53,612
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,074/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,904
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,323
−HK$1,439/mo
Today · 4.125%
HK$55,762
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,524/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,480
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,753/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,547
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,721
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,680/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$68,485
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,332
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,551
−HK$2,254/mo
Today · 4.125%
HK$75,805
baseline
▲ 0.50% · 4.625%
HK$80,417
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,610/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,356
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,484
−HK$2,159/mo
Today · 4.125%
HK$83,643
baseline
▲ 0.50% · 4.625%
HK$88,052
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,286/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,715 · Scale 2, in force from 26 Feb 2026)