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$39,762
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,999
−HK$1,256/mo
Today · 4.125%
HK$42,255
baseline
▲ 0.50% · 4.625%
HK$44,826
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,510/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,235
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,421
−HK$1,203/mo
Today · 4.125%
HK$46,624
baseline
▲ 0.50% · 4.625%
HK$49,082
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,248/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,714
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,198
−HK$1,508/mo
Today · 4.125%
HK$50,706
baseline
▲ 0.50% · 4.625%
HK$53,792
+HK$3,086/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,412/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,081
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,505
−HK$1,444/mo
Today · 4.125%
HK$55,949
baseline
▲ 0.50% · 4.625%
HK$58,898
+HK$2,949/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,898/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,666
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,398
−HK$1,759/mo
Today · 4.125%
HK$59,157
baseline
▲ 0.50% · 4.625%
HK$62,757
+HK$3,600/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,314/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,928
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,685/mo
Today · 4.125%
HK$65,274
baseline
▲ 0.50% · 4.625%
HK$68,715
+HK$3,441/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,548/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,571
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,797
−HK$2,262/mo
Today · 4.125%
HK$76,059
baseline
▲ 0.50% · 4.625%
HK$80,687
+HK$4,628/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,118/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,622
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,758
−HK$2,166/mo
Today · 4.125%
HK$83,924
baseline
▲ 0.50% · 4.625%
HK$88,348
+HK$4,424/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,848/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,903 · Scale 2, in force from 26 Feb 2026)