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$39,636
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,869
−HK$1,252/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,684
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,277
−HK$1,200/mo
Today · 4.125%
HK$46,477
baseline
▲ 0.50% · 4.625%
HK$48,926
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,954/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,503/mo
Today · 4.125%
HK$50,545
baseline
▲ 0.50% · 4.625%
HK$53,621
+HK$3,076/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,090/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,913
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,332
−HK$1,440/mo
Today · 4.125%
HK$55,772
baseline
▲ 0.50% · 4.625%
HK$58,712
+HK$2,940/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,544/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,490
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,216
−HK$1,754/mo
Today · 4.125%
HK$58,970
baseline
▲ 0.50% · 4.625%
HK$62,558
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,940/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,732
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,388
−HK$1,679/mo
Today · 4.125%
HK$65,067
baseline
▲ 0.50% · 4.625%
HK$68,497
+HK$3,430/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,134/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,344
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,563
−HK$2,255/mo
Today · 4.125%
HK$75,818
baseline
▲ 0.50% · 4.625%
HK$80,431
+HK$4,613/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,636/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,370
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,498
−HK$2,160/mo
Today · 4.125%
HK$83,658
baseline
▲ 0.50% · 4.625%
HK$88,067
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,316/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,829 · Scale 2, in force from 26 Feb 2026)