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$39,701
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,255/mo
Today · 4.125%
HK$42,190
baseline
▲ 0.50% · 4.625%
HK$44,757
+HK$2,567/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,380/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,167
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,351
−HK$1,202/mo
Today · 4.125%
HK$46,553
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,454/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,106/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,641
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,123
−HK$1,505/mo
Today · 4.125%
HK$50,628
baseline
▲ 0.50% · 4.625%
HK$53,709
+HK$3,081/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$101,256/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,000
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,421
−HK$1,442/mo
Today · 4.125%
HK$55,863
baseline
▲ 0.50% · 4.625%
HK$58,808
+HK$2,945/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$111,726/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,581
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,310
−HK$1,756/mo
Today · 4.125%
HK$59,066
baseline
▲ 0.50% · 4.625%
HK$62,660
+HK$3,594/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,132/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,833
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,491
−HK$1,683/mo
Today · 4.125%
HK$65,174
baseline
▲ 0.50% · 4.625%
HK$68,609
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,348/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,461
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,684
−HK$2,258/mo
Today · 4.125%
HK$75,942
baseline
▲ 0.50% · 4.625%
HK$80,563
+HK$4,621/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,884/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,500
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,632
−HK$2,163/mo
Today · 4.125%
HK$83,795
baseline
▲ 0.50% · 4.625%
HK$88,212
+HK$4,417/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,590/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,897 · Scale 2, in force from 26 Feb 2026)