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$39,735
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,256/mo
Today · 4.125%
HK$42,226
baseline
▲ 0.50% · 4.625%
HK$44,796
+HK$2,570/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,452/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,204
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,390
−HK$1,202/mo
Today · 4.125%
HK$46,592
baseline
▲ 0.50% · 4.625%
HK$49,048
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,184/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,681
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,165
−HK$1,506/mo
Today · 4.125%
HK$50,671
baseline
▲ 0.50% · 4.625%
HK$53,755
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,342/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,045
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,468
−HK$1,443/mo
Today · 4.125%
HK$55,911
baseline
▲ 0.50% · 4.625%
HK$58,858
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,822/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,628
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,359
−HK$1,758/mo
Today · 4.125%
HK$59,117
baseline
▲ 0.50% · 4.625%
HK$62,714
+HK$3,597/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,234/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,886
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,546
−HK$1,683/mo
Today · 4.125%
HK$65,229
baseline
▲ 0.50% · 4.625%
HK$68,668
+HK$3,439/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,458/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,522
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$73,747
−HK$2,260/mo
Today · 4.125%
HK$76,007
baseline
▲ 0.50% · 4.625%
HK$80,632
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$152,014/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,568
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,702
−HK$2,164/mo
Today · 4.125%
HK$83,866
baseline
▲ 0.50% · 4.625%
HK$88,287
+HK$4,421/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,732/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,455 · Scale 2, in force from 26 Feb 2026)