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$39,742
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,979
−HK$1,256/mo
Today · 4.125%
HK$42,235
baseline
▲ 0.50% · 4.625%
HK$44,804
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,470/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,213
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,399
−HK$1,203/mo
Today · 4.125%
HK$46,602
baseline
▲ 0.50% · 4.625%
HK$49,058
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,204/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,691
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,174
−HK$1,507/mo
Today · 4.125%
HK$50,681
baseline
▲ 0.50% · 4.625%
HK$53,765
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,362/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,056
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,478
−HK$1,444/mo
Today · 4.125%
HK$55,922
baseline
▲ 0.50% · 4.625%
HK$58,870
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,844/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,639
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,370
−HK$1,758/mo
Today · 4.125%
HK$59,128
baseline
▲ 0.50% · 4.625%
HK$62,726
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,256/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,898
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,558
−HK$1,684/mo
Today · 4.125%
HK$65,242
baseline
▲ 0.50% · 4.625%
HK$68,681
+HK$3,439/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,484/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,536
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,761
−HK$2,261/mo
Today · 4.125%
HK$76,022
baseline
▲ 0.50% · 4.625%
HK$80,648
+HK$4,626/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,044/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,583
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,165/mo
Today · 4.125%
HK$83,883
baseline
▲ 0.50% · 4.625%
HK$88,304
+HK$4,421/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,766/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,583 · Scale 2, in force from 26 Feb 2026)