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$39,769
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,006
−HK$1,256/mo
Today · 4.125%
HK$42,262
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,524/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,242
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,429
−HK$1,203/mo
Today · 4.125%
HK$46,632
baseline
▲ 0.50% · 4.625%
HK$49,090
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,264/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,722
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,207
−HK$1,508/mo
Today · 4.125%
HK$50,715
baseline
▲ 0.50% · 4.625%
HK$53,801
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$101,430/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,091
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,514
−HK$1,445/mo
Today · 4.125%
HK$55,959
baseline
▲ 0.50% · 4.625%
HK$58,909
+HK$2,950/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$111,918/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,676
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,408
−HK$1,759/mo
Today · 4.125%
HK$59,167
baseline
▲ 0.50% · 4.625%
HK$62,768
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,334/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,939
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,600
−HK$1,685/mo
Today · 4.125%
HK$65,285
baseline
▲ 0.50% · 4.625%
HK$68,727
+HK$3,442/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,570/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,583
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,810
−HK$2,262/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,701
+HK$4,629/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,636
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,772
−HK$2,166/mo
Today · 4.125%
HK$83,938
baseline
▲ 0.50% · 4.625%
HK$88,363
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,876/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,016 · Scale 2, in force from 26 Feb 2026)