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$39,707
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,255/mo
Today · 4.125%
HK$42,197
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,394/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,174
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,202/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,015
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,648
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,131
−HK$1,505/mo
Today · 4.125%
HK$50,636
baseline
▲ 0.50% · 4.625%
HK$53,718
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,272/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,008
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,430
−HK$1,442/mo
Today · 4.125%
HK$55,872
baseline
▲ 0.50% · 4.625%
HK$58,817
+HK$2,945/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,744/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,590
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,319
−HK$1,757/mo
Today · 4.125%
HK$59,076
baseline
▲ 0.50% · 4.625%
HK$62,670
+HK$3,594/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,152/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,843
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,502
−HK$1,682/mo
Today · 4.125%
HK$65,184
baseline
▲ 0.50% · 4.625%
HK$68,620
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,368/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,473
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,696
−HK$2,259/mo
Today · 4.125%
HK$75,955
baseline
▲ 0.50% · 4.625%
HK$80,576
+HK$4,621/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,910/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,513
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,645
−HK$2,163/mo
Today · 4.125%
HK$83,808
baseline
▲ 0.50% · 4.625%
HK$88,226
+HK$4,418/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,616/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,003 · Scale 2, in force from 26 Feb 2026)