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$39,602
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,834
−HK$1,251/mo
Today · 4.125%
HK$42,085
baseline
▲ 0.50% · 4.625%
HK$44,646
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,170/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,057
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,238
−HK$1,199/mo
Today · 4.125%
HK$46,437
baseline
▲ 0.50% · 4.625%
HK$48,885
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,874/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,522
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,502/mo
Today · 4.125%
HK$50,502
baseline
▲ 0.50% · 4.625%
HK$53,575
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,004/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,868
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,286
−HK$1,438/mo
Today · 4.125%
HK$55,724
baseline
▲ 0.50% · 4.625%
HK$58,662
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,448/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,443
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,167
−HK$1,752/mo
Today · 4.125%
HK$58,919
baseline
▲ 0.50% · 4.625%
HK$62,505
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,838/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,679
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,334
−HK$1,678/mo
Today · 4.125%
HK$65,012
baseline
▲ 0.50% · 4.625%
HK$68,439
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,024/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,283
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,501
−HK$2,253/mo
Today · 4.125%
HK$75,754
baseline
▲ 0.50% · 4.625%
HK$80,363
+HK$4,609/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,508/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,302
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,429
−HK$2,158/mo
Today · 4.125%
HK$83,587
baseline
▲ 0.50% · 4.625%
HK$87,992
+HK$4,405/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,174/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,274 · Scale 2, in force from 26 Feb 2026)