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$39,593
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,825
−HK$1,251/mo
Today · 4.125%
HK$42,076
baseline
▲ 0.50% · 4.625%
HK$44,636
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,152/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,047
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,228
−HK$1,199/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$48,874
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,512
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,990
−HK$1,501/mo
Today · 4.125%
HK$50,491
baseline
▲ 0.50% · 4.625%
HK$53,563
+HK$3,072/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,982/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,856
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,274
−HK$1,438/mo
Today · 4.125%
HK$55,712
baseline
▲ 0.50% · 4.625%
HK$58,649
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,424/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,430
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,155
−HK$1,751/mo
Today · 4.125%
HK$58,906
baseline
▲ 0.50% · 4.625%
HK$62,491
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,812/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,666
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$63,320
−HK$1,677/mo
Today · 4.125%
HK$64,997
baseline
▲ 0.50% · 4.625%
HK$68,423
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,994/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,268
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,484
−HK$2,253/mo
Today · 4.125%
HK$75,737
baseline
▲ 0.50% · 4.625%
HK$80,345
+HK$4,608/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,474/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,285
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$81,411
−HK$2,157/mo
Today · 4.125%
HK$83,568
baseline
▲ 0.50% · 4.625%
HK$87,973
+HK$4,405/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,136/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,130 · Scale 2, in force from 26 Feb 2026)