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$39,608
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,840
−HK$1,252/mo
Today · 4.125%
HK$42,092
baseline
▲ 0.50% · 4.625%
HK$44,653
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,184/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,063
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,199/mo
Today · 4.125%
HK$46,444
baseline
▲ 0.50% · 4.625%
HK$48,892
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,888/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,530
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,008
−HK$1,502/mo
Today · 4.125%
HK$50,510
baseline
▲ 0.50% · 4.625%
HK$53,583
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,020/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,876
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,294
−HK$1,439/mo
Today · 4.125%
HK$55,733
baseline
▲ 0.50% · 4.625%
HK$58,671
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,466/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,451
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,176
−HK$1,752/mo
Today · 4.125%
HK$58,928
baseline
▲ 0.50% · 4.625%
HK$62,514
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,856/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,689
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,343
−HK$1,679/mo
Today · 4.125%
HK$65,022
baseline
▲ 0.50% · 4.625%
HK$68,449
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,044/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,294
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,512
−HK$2,253/mo
Today · 4.125%
HK$75,765
baseline
▲ 0.50% · 4.625%
HK$80,375
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,530/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,314
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,441
−HK$2,158/mo
Today · 4.125%
HK$83,599
baseline
▲ 0.50% · 4.625%
HK$88,006
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,198/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,374 · Scale 2, in force from 26 Feb 2026)