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$39,749
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,256/mo
Today · 4.125%
HK$42,241
baseline
▲ 0.50% · 4.625%
HK$44,812
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,482/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,406
−HK$1,203/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,066
+HK$2,457/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,182
−HK$1,508/mo
Today · 4.125%
HK$50,690
baseline
▲ 0.50% · 4.625%
HK$53,774
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,380/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,064
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,487
−HK$1,444/mo
Today · 4.125%
HK$55,931
baseline
▲ 0.50% · 4.625%
HK$58,879
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,862/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,379
−HK$1,759/mo
Today · 4.125%
HK$59,138
baseline
▲ 0.50% · 4.625%
HK$62,736
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,276/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,908
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,569
−HK$1,684/mo
Today · 4.125%
HK$65,253
baseline
▲ 0.50% · 4.625%
HK$68,693
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,506/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,548
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,773
−HK$2,262/mo
Today · 4.125%
HK$76,035
baseline
▲ 0.50% · 4.625%
HK$80,661
+HK$4,626/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,070/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,596
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,731
−HK$2,166/mo
Today · 4.125%
HK$83,897
baseline
▲ 0.50% · 4.625%
HK$88,319
+HK$4,422/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,794/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,691 · Scale 2, in force from 26 Feb 2026)