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$39,591
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,251/mo
Today · 4.125%
HK$42,074
baseline
▲ 0.50% · 4.625%
HK$44,634
+HK$2,560/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,148/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,045
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,226
−HK$1,199/mo
Today · 4.125%
HK$46,425
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,447/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,850/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,510
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$48,988
−HK$1,501/mo
Today · 4.125%
HK$50,489
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$3,072/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$100,978/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,854
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,272
−HK$1,438/mo
Today · 4.125%
HK$55,710
baseline
▲ 0.50% · 4.625%
HK$58,646
+HK$2,936/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,420/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,428
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,152
−HK$1,752/mo
Today · 4.125%
HK$58,904
baseline
▲ 0.50% · 4.625%
HK$62,488
+HK$3,584/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$117,808/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,663
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,317
−HK$1,678/mo
Today · 4.125%
HK$64,995
baseline
▲ 0.50% · 4.625%
HK$68,421
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.15M · min. income ≈ HK$129,990/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,265
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$73,481
−HK$2,253/mo
Today · 4.125%
HK$75,734
baseline
▲ 0.50% · 4.625%
HK$80,342
+HK$4,608/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,468/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,281
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,408
−HK$2,157/mo
Today · 4.125%
HK$83,565
baseline
▲ 0.50% · 4.625%
HK$87,969
+HK$4,404/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,130/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,103 · Scale 2, in force from 26 Feb 2026)