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$39,649
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,883
−HK$1,253/mo
Today · 4.125%
HK$42,136
baseline
▲ 0.50% · 4.625%
HK$44,700
+HK$2,564/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,272/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,109
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,292
−HK$1,201/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$48,943
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,579
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,059
−HK$1,504/mo
Today · 4.125%
HK$50,563
baseline
▲ 0.50% · 4.625%
HK$53,639
+HK$3,076/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$101,126/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,931
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,440/mo
Today · 4.125%
HK$55,791
baseline
▲ 0.50% · 4.625%
HK$58,732
+HK$2,941/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$111,582/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,509
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,236
−HK$1,754/mo
Today · 4.125%
HK$58,990
baseline
▲ 0.50% · 4.625%
HK$62,579
+HK$3,589/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,980/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,753
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,409
−HK$1,681/mo
Today · 4.125%
HK$65,090
baseline
▲ 0.50% · 4.625%
HK$68,521
+HK$3,431/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,180/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,369
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,589
−HK$2,255/mo
Today · 4.125%
HK$75,844
baseline
▲ 0.50% · 4.625%
HK$80,459
+HK$4,615/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,688/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,397
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,526
−HK$2,161/mo
Today · 4.125%
HK$83,687
baseline
▲ 0.50% · 4.625%
HK$88,098
+HK$4,411/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,374/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,054 · Scale 2, in force from 26 Feb 2026)