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$39,630
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,863
−HK$1,253/mo
Today · 4.125%
HK$42,116
baseline
▲ 0.50% · 4.625%
HK$44,678
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,232/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,088
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,271
−HK$1,199/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$48,920
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,557
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,036
−HK$1,503/mo
Today · 4.125%
HK$50,539
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,078/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,906
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,440/mo
Today · 4.125%
HK$55,765
baseline
▲ 0.50% · 4.625%
HK$58,704
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,530/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,483
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,208
−HK$1,754/mo
Today · 4.125%
HK$58,962
baseline
▲ 0.50% · 4.625%
HK$62,550
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,924/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,724
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,379
−HK$1,680/mo
Today · 4.125%
HK$65,059
baseline
▲ 0.50% · 4.625%
HK$68,488
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,118/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,335
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,554
−HK$2,254/mo
Today · 4.125%
HK$75,808
baseline
▲ 0.50% · 4.625%
HK$80,421
+HK$4,613/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,616/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,359
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,488
−HK$2,159/mo
Today · 4.125%
HK$83,647
baseline
▲ 0.50% · 4.625%
HK$88,056
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,294/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,744 · Scale 2, in force from 26 Feb 2026)