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$39,714
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,949
−HK$1,255/mo
Today · 4.125%
HK$42,204
baseline
▲ 0.50% · 4.625%
HK$44,772
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,408/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,181
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,202/mo
Today · 4.125%
HK$46,568
baseline
▲ 0.50% · 4.625%
HK$49,023
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,136/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,139
−HK$1,506/mo
Today · 4.125%
HK$50,645
baseline
▲ 0.50% · 4.625%
HK$53,727
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,290/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,442/mo
Today · 4.125%
HK$55,882
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,764/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,600
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,329
−HK$1,757/mo
Today · 4.125%
HK$59,086
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,172/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,854
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,513
−HK$1,683/mo
Today · 4.125%
HK$65,196
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,392/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,485
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,709
−HK$2,259/mo
Today · 4.125%
HK$75,968
baseline
▲ 0.50% · 4.625%
HK$80,590
+HK$4,622/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,936/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,527
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,659
−HK$2,164/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,242
+HK$4,419/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,118 · Scale 2, in force from 26 Feb 2026)