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$39,724
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,255/mo
Today · 4.125%
HK$42,215
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,430/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,378
−HK$1,202/mo
Today · 4.125%
HK$46,580
baseline
▲ 0.50% · 4.625%
HK$49,036
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,160/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,669
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,152
−HK$1,506/mo
Today · 4.125%
HK$50,658
baseline
▲ 0.50% · 4.625%
HK$53,741
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,316/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,031
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,454
−HK$1,442/mo
Today · 4.125%
HK$55,896
baseline
▲ 0.50% · 4.625%
HK$58,843
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,792/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,614
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,344
−HK$1,757/mo
Today · 4.125%
HK$59,101
baseline
▲ 0.50% · 4.625%
HK$62,698
+HK$3,597/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$118,202/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,870
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,684/mo
Today · 4.125%
HK$65,213
baseline
▲ 0.50% · 4.625%
HK$68,650
+HK$3,437/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$130,426/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,504
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,728
−HK$2,259/mo
Today · 4.125%
HK$75,987
baseline
▲ 0.50% · 4.625%
HK$80,611
+HK$4,624/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,974/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,547
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,680
−HK$2,165/mo
Today · 4.125%
HK$83,845
baseline
▲ 0.50% · 4.625%
HK$88,264
+HK$4,419/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,690/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,286 · Scale 2, in force from 26 Feb 2026)