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$39,738
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,974
−HK$1,255/mo
Today · 4.125%
HK$42,229
baseline
▲ 0.50% · 4.625%
HK$44,799
+HK$2,570/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,458/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,208
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,203/mo
Today · 4.125%
HK$46,596
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,192/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,685
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,168
−HK$1,507/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,759
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,049
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,472
−HK$1,443/mo
Today · 4.125%
HK$55,915
baseline
▲ 0.50% · 4.625%
HK$58,863
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,830/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,633
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,363
−HK$1,758/mo
Today · 4.125%
HK$59,121
baseline
▲ 0.50% · 4.625%
HK$62,719
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,242/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,891
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,551
−HK$1,683/mo
Today · 4.125%
HK$65,234
baseline
▲ 0.50% · 4.625%
HK$68,673
+HK$3,439/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,468/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,528
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,753
−HK$2,260/mo
Today · 4.125%
HK$76,013
baseline
▲ 0.50% · 4.625%
HK$80,638
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$152,026/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,574
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,708
−HK$2,165/mo
Today · 4.125%
HK$83,873
baseline
▲ 0.50% · 4.625%
HK$88,294
+HK$4,421/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,746/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,505 · Scale 2, in force from 26 Feb 2026)