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$39,610
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,843
−HK$1,251/mo
Today · 4.125%
HK$42,094
baseline
▲ 0.50% · 4.625%
HK$44,656
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,188/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,066
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,248
−HK$1,199/mo
Today · 4.125%
HK$46,447
baseline
▲ 0.50% · 4.625%
HK$48,895
+HK$2,448/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,894/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,533
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,011
−HK$1,502/mo
Today · 4.125%
HK$50,513
baseline
▲ 0.50% · 4.625%
HK$53,587
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,026/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,879
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,298
−HK$1,438/mo
Today · 4.125%
HK$55,736
baseline
▲ 0.50% · 4.625%
HK$58,674
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,472/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,455
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,180
−HK$1,752/mo
Today · 4.125%
HK$58,932
baseline
▲ 0.50% · 4.625%
HK$62,518
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,864/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,693
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,347
−HK$1,679/mo
Today · 4.125%
HK$65,026
baseline
▲ 0.50% · 4.625%
HK$68,453
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,052/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,299
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,517
−HK$2,253/mo
Today · 4.125%
HK$75,770
baseline
▲ 0.50% · 4.625%
HK$80,380
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,540/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,319
−HK$4,286/mo
▼ 0.25% · 3.875%
HK$81,446
−HK$2,159/mo
Today · 4.125%
HK$83,605
baseline
▲ 0.50% · 4.625%
HK$88,011
+HK$4,406/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,210/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,415 · Scale 2, in force from 26 Feb 2026)