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$39,757
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,994
−HK$1,256/mo
Today · 4.125%
HK$42,250
baseline
▲ 0.50% · 4.625%
HK$44,821
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,500/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,229
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,416
−HK$1,203/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,076
+HK$2,457/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,709
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,193
−HK$1,507/mo
Today · 4.125%
HK$50,700
baseline
▲ 0.50% · 4.625%
HK$53,785
+HK$3,085/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,400/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,075
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,499
−HK$1,444/mo
Today · 4.125%
HK$55,943
baseline
▲ 0.50% · 4.625%
HK$58,892
+HK$2,949/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,886/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,660
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,391
−HK$1,759/mo
Today · 4.125%
HK$59,150
baseline
▲ 0.50% · 4.625%
HK$62,749
+HK$3,599/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,300/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,921
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,582
−HK$1,685/mo
Today · 4.125%
HK$65,267
baseline
▲ 0.50% · 4.625%
HK$68,707
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,534/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,563
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,789
−HK$2,261/mo
Today · 4.125%
HK$76,050
baseline
▲ 0.50% · 4.625%
HK$80,678
+HK$4,628/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,100/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,613
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,748
−HK$2,166/mo
Today · 4.125%
HK$83,914
baseline
▲ 0.50% · 4.625%
HK$88,337
+HK$4,423/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,828/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,827 · Scale 2, in force from 26 Feb 2026)