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$39,623
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,252/mo
Today · 4.125%
HK$42,108
baseline
▲ 0.50% · 4.625%
HK$44,670
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,216/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,081
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,199/mo
Today · 4.125%
HK$46,462
baseline
▲ 0.50% · 4.625%
HK$48,911
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,924/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,548
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,027
−HK$1,503/mo
Today · 4.125%
HK$50,530
baseline
▲ 0.50% · 4.625%
HK$53,604
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,060/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,897
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,316
−HK$1,439/mo
Today · 4.125%
HK$55,755
baseline
▲ 0.50% · 4.625%
HK$58,694
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,510/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,473
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,198
−HK$1,753/mo
Today · 4.125%
HK$58,951
baseline
▲ 0.50% · 4.625%
HK$62,539
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,902/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,713
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,368
−HK$1,679/mo
Today · 4.125%
HK$65,047
baseline
▲ 0.50% · 4.625%
HK$68,476
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,094/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,322
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,541
−HK$2,254/mo
Today · 4.125%
HK$75,795
baseline
▲ 0.50% · 4.625%
HK$80,407
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,590/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,345
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,473
−HK$2,159/mo
Today · 4.125%
HK$83,632
baseline
▲ 0.50% · 4.625%
HK$88,040
+HK$4,408/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,264/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,629 · Scale 2, in force from 26 Feb 2026)