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$39,755
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,992
−HK$1,256/mo
Today · 4.125%
HK$42,248
baseline
▲ 0.50% · 4.625%
HK$44,819
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,496/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,227
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,413
−HK$1,204/mo
Today · 4.125%
HK$46,617
baseline
▲ 0.50% · 4.625%
HK$49,074
+HK$2,457/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,234/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,706
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,190
−HK$1,508/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,783
+HK$3,085/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,073
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,496
−HK$1,444/mo
Today · 4.125%
HK$55,940
baseline
▲ 0.50% · 4.625%
HK$58,889
+HK$2,949/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,880/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,657
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,388
−HK$1,759/mo
Today · 4.125%
HK$59,147
baseline
▲ 0.50% · 4.625%
HK$62,746
+HK$3,599/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,294/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,918
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,579
−HK$1,684/mo
Today · 4.125%
HK$65,263
baseline
▲ 0.50% · 4.625%
HK$68,703
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,526/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,559
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$73,785
−HK$2,262/mo
Today · 4.125%
HK$76,047
baseline
▲ 0.50% · 4.625%
HK$80,674
+HK$4,627/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,094/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,609
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,744
−HK$2,166/mo
Today · 4.125%
HK$83,910
baseline
▲ 0.50% · 4.625%
HK$88,333
+HK$4,423/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,820/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,795 · Scale 2, in force from 26 Feb 2026)