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$39,612
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,844
−HK$1,252/mo
Today · 4.125%
HK$42,096
baseline
▲ 0.50% · 4.625%
HK$44,658
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,192/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,250
−HK$1,199/mo
Today · 4.125%
HK$46,449
baseline
▲ 0.50% · 4.625%
HK$48,897
+HK$2,448/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,898/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,013
−HK$1,502/mo
Today · 4.125%
HK$50,515
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$3,074/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,030/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,882
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,300
−HK$1,439/mo
Today · 4.125%
HK$55,739
baseline
▲ 0.50% · 4.625%
HK$58,677
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,478/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,182
−HK$1,753/mo
Today · 4.125%
HK$58,935
baseline
▲ 0.50% · 4.625%
HK$62,521
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,870/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,695
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,350
−HK$1,679/mo
Today · 4.125%
HK$65,029
baseline
▲ 0.50% · 4.625%
HK$68,456
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,058/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,302
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,520
−HK$2,253/mo
Today · 4.125%
HK$75,773
baseline
▲ 0.50% · 4.625%
HK$80,384
+HK$4,611/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,546/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,323
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,450
−HK$2,158/mo
Today · 4.125%
HK$83,608
baseline
▲ 0.50% · 4.625%
HK$88,015
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,216/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,442 · Scale 2, in force from 26 Feb 2026)