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$39,607
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,839
−HK$1,252/mo
Today · 4.125%
HK$42,091
baseline
▲ 0.50% · 4.625%
HK$44,652
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,182/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,063
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,244
−HK$1,199/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,529
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,007
−HK$1,502/mo
Today · 4.125%
HK$50,509
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,018/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,875
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,293
−HK$1,439/mo
Today · 4.125%
HK$55,732
baseline
▲ 0.50% · 4.625%
HK$58,670
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,464/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,450
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,752/mo
Today · 4.125%
HK$58,927
baseline
▲ 0.50% · 4.625%
HK$62,513
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,854/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,688
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,342
−HK$1,678/mo
Today · 4.125%
HK$65,020
baseline
▲ 0.50% · 4.625%
HK$68,448
+HK$3,428/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,040/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,293
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,511
−HK$2,253/mo
Today · 4.125%
HK$75,764
baseline
▲ 0.50% · 4.625%
HK$80,374
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,528/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,313
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,440
−HK$2,158/mo
Today · 4.125%
HK$83,598
baseline
▲ 0.50% · 4.625%
HK$88,004
+HK$4,406/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,196/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,362 · Scale 2, in force from 26 Feb 2026)