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$39,710
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,945
−HK$1,255/mo
Today · 4.125%
HK$42,200
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,400/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,177
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,361
−HK$1,202/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,018
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,652
−HK$2,988/mo
▼ 0.25% · 3.875%
HK$49,134
−HK$1,506/mo
Today · 4.125%
HK$50,640
baseline
▲ 0.50% · 4.625%
HK$53,721
+HK$3,081/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,280/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,012
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,434
−HK$1,442/mo
Today · 4.125%
HK$55,876
baseline
▲ 0.50% · 4.625%
HK$58,821
+HK$2,945/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,752/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,594
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,323
−HK$1,757/mo
Today · 4.125%
HK$59,080
baseline
▲ 0.50% · 4.625%
HK$62,675
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,160/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,847
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,506
−HK$1,683/mo
Today · 4.125%
HK$65,189
baseline
▲ 0.50% · 4.625%
HK$68,625
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,378/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,477
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,701
−HK$2,259/mo
Today · 4.125%
HK$75,960
baseline
▲ 0.50% · 4.625%
HK$80,582
+HK$4,622/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,920/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,518
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$81,651
−HK$2,163/mo
Today · 4.125%
HK$83,814
baseline
▲ 0.50% · 4.625%
HK$88,232
+HK$4,418/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,628/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,046 · Scale 2, in force from 26 Feb 2026)