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$39,598
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,829
−HK$1,252/mo
Today · 4.125%
HK$42,081
baseline
▲ 0.50% · 4.625%
HK$44,641
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,162/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,052
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,199/mo
Today · 4.125%
HK$46,432
baseline
▲ 0.50% · 4.625%
HK$48,879
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,864/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,517
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$48,995
−HK$1,502/mo
Today · 4.125%
HK$50,497
baseline
▲ 0.50% · 4.625%
HK$53,569
+HK$3,072/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,994/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,862
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,280
−HK$1,438/mo
Today · 4.125%
HK$55,718
baseline
▲ 0.50% · 4.625%
HK$58,655
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,436/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,437
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,161
−HK$1,752/mo
Today · 4.125%
HK$58,913
baseline
▲ 0.50% · 4.625%
HK$62,498
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,826/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,673
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,327
−HK$1,678/mo
Today · 4.125%
HK$65,005
baseline
▲ 0.50% · 4.625%
HK$68,431
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,010/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,276
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,493
−HK$2,252/mo
Today · 4.125%
HK$75,745
baseline
▲ 0.50% · 4.625%
HK$80,354
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,490/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,293
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,420
−HK$2,157/mo
Today · 4.125%
HK$83,577
baseline
▲ 0.50% · 4.625%
HK$87,983
+HK$4,406/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,154/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,203 · Scale 2, in force from 26 Feb 2026)