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$39,713
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,948
−HK$1,255/mo
Today · 4.125%
HK$42,203
baseline
▲ 0.50% · 4.625%
HK$44,771
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,406/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,180
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,365
−HK$1,202/mo
Today · 4.125%
HK$46,567
baseline
▲ 0.50% · 4.625%
HK$49,022
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,134/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,655
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,138
−HK$1,506/mo
Today · 4.125%
HK$50,644
baseline
▲ 0.50% · 4.625%
HK$53,725
+HK$3,081/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,288/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,016
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,438
−HK$1,442/mo
Today · 4.125%
HK$55,880
baseline
▲ 0.50% · 4.625%
HK$58,826
+HK$2,946/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,760/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,598
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,327
−HK$1,757/mo
Today · 4.125%
HK$59,084
baseline
▲ 0.50% · 4.625%
HK$62,679
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,168/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,511
−HK$1,683/mo
Today · 4.125%
HK$65,194
baseline
▲ 0.50% · 4.625%
HK$68,630
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,388/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,483
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,706
−HK$2,259/mo
Today · 4.125%
HK$75,965
baseline
▲ 0.50% · 4.625%
HK$80,588
+HK$4,623/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,930/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,524
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,657
−HK$2,163/mo
Today · 4.125%
HK$83,820
baseline
▲ 0.50% · 4.625%
HK$88,239
+HK$4,419/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,640/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,097 · Scale 2, in force from 26 Feb 2026)