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$39,701
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,936
−HK$1,255/mo
Today · 4.125%
HK$42,191
baseline
▲ 0.50% · 4.625%
HK$44,758
+HK$2,567/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,382/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,167
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,352
−HK$1,202/mo
Today · 4.125%
HK$46,554
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,453/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,108/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,642
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,124
−HK$1,505/mo
Today · 4.125%
HK$50,629
baseline
▲ 0.50% · 4.625%
HK$53,710
+HK$3,081/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$101,258/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,001
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,422
−HK$1,442/mo
Today · 4.125%
HK$55,864
baseline
▲ 0.50% · 4.625%
HK$58,809
+HK$2,945/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$111,728/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,582
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,311
−HK$1,756/mo
Today · 4.125%
HK$59,067
baseline
▲ 0.50% · 4.625%
HK$62,661
+HK$3,594/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,134/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,834
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,493
−HK$1,682/mo
Today · 4.125%
HK$65,175
baseline
▲ 0.50% · 4.625%
HK$68,610
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,350/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,462
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,685
−HK$2,259/mo
Today · 4.125%
HK$75,944
baseline
▲ 0.50% · 4.625%
HK$80,565
+HK$4,621/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,888/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,501
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,633
−HK$2,163/mo
Today · 4.125%
HK$83,796
baseline
▲ 0.50% · 4.625%
HK$88,213
+HK$4,417/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,592/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,910 · Scale 2, in force from 26 Feb 2026)