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$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,252/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,086
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,200/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,554
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,033
−HK$1,503/mo
Today · 4.125%
HK$50,536
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,072/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,903
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,439/mo
Today · 4.125%
HK$55,761
baseline
▲ 0.50% · 4.625%
HK$58,701
+HK$2,940/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,522/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,480
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,205
−HK$1,754/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,546
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,679/mo
Today · 4.125%
HK$65,055
baseline
▲ 0.50% · 4.625%
HK$68,484
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,110/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,331
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,550
−HK$2,254/mo
Today · 4.125%
HK$75,804
baseline
▲ 0.50% · 4.625%
HK$80,416
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,608/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,355
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,483
−HK$2,159/mo
Today · 4.125%
HK$83,642
baseline
▲ 0.50% · 4.625%
HK$88,051
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,284/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,707 · Scale 2, in force from 26 Feb 2026)