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$39,759
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,996
−HK$1,256/mo
Today · 4.125%
HK$42,252
baseline
▲ 0.50% · 4.625%
HK$44,823
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,504/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,232
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,418
−HK$1,203/mo
Today · 4.125%
HK$46,621
baseline
▲ 0.50% · 4.625%
HK$49,079
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,242/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,711
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,195
−HK$1,508/mo
Today · 4.125%
HK$50,703
baseline
▲ 0.50% · 4.625%
HK$53,788
+HK$3,085/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,406/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,078
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,502
−HK$1,444/mo
Today · 4.125%
HK$55,946
baseline
▲ 0.50% · 4.625%
HK$58,895
+HK$2,949/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,892/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,394
−HK$1,759/mo
Today · 4.125%
HK$59,153
baseline
▲ 0.50% · 4.625%
HK$62,753
+HK$3,600/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,306/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,924
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,585
−HK$1,685/mo
Today · 4.125%
HK$65,270
baseline
▲ 0.50% · 4.625%
HK$68,710
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,540/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,567
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,793
−HK$2,261/mo
Today · 4.125%
HK$76,054
baseline
▲ 0.50% · 4.625%
HK$80,682
+HK$4,628/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,108/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,617
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,752
−HK$2,166/mo
Today · 4.125%
HK$83,918
baseline
▲ 0.50% · 4.625%
HK$88,342
+HK$4,424/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,836/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,861 · Scale 2, in force from 26 Feb 2026)