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$39,626
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,859
−HK$1,252/mo
Today · 4.125%
HK$42,111
baseline
▲ 0.50% · 4.625%
HK$44,673
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,222/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,266
−HK$1,199/mo
Today · 4.125%
HK$46,465
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,930/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,030
−HK$1,503/mo
Today · 4.125%
HK$50,533
baseline
▲ 0.50% · 4.625%
HK$53,608
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,066/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,319
−HK$1,439/mo
Today · 4.125%
HK$55,758
baseline
▲ 0.50% · 4.625%
HK$58,698
+HK$2,940/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,516/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,477
−HK$3,478/mo
▼ 0.25% · 3.875%
HK$57,202
−HK$1,753/mo
Today · 4.125%
HK$58,955
baseline
▲ 0.50% · 4.625%
HK$62,543
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,910/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,717
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,372
−HK$1,680/mo
Today · 4.125%
HK$65,052
baseline
▲ 0.50% · 4.625%
HK$68,481
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,104/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,327
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,546
−HK$2,254/mo
Today · 4.125%
HK$75,800
baseline
▲ 0.50% · 4.625%
HK$80,412
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,600/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,351
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,479
−HK$2,159/mo
Today · 4.125%
HK$83,638
baseline
▲ 0.50% · 4.625%
HK$88,046
+HK$4,408/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,276/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,673 · Scale 2, in force from 26 Feb 2026)