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$39,601
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,833
−HK$1,252/mo
Today · 4.125%
HK$42,085
baseline
▲ 0.50% · 4.625%
HK$44,645
+HK$2,560/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$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,056
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,238
−HK$1,198/mo
Today · 4.125%
HK$46,436
baseline
▲ 0.50% · 4.625%
HK$48,884
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,872/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,521
−HK$2,980/mo
▼ 0.25% · 3.875%
HK$49,000
−HK$1,501/mo
Today · 4.125%
HK$50,501
baseline
▲ 0.50% · 4.625%
HK$53,574
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,002/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,867
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$54,285
−HK$1,438/mo
Today · 4.125%
HK$55,723
baseline
▲ 0.50% · 4.625%
HK$58,661
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,446/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,442
−HK$3,476/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,752/mo
Today · 4.125%
HK$58,918
baseline
▲ 0.50% · 4.625%
HK$62,503
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,836/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,678
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,333
−HK$1,678/mo
Today · 4.125%
HK$65,011
baseline
▲ 0.50% · 4.625%
HK$68,437
+HK$3,426/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,022/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,282
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,499
−HK$2,253/mo
Today · 4.125%
HK$75,752
baseline
▲ 0.50% · 4.625%
HK$80,362
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,504/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,301
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,428
−HK$2,157/mo
Today · 4.125%
HK$83,585
baseline
▲ 0.50% · 4.625%
HK$87,991
+HK$4,406/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,170/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,263 · Scale 2, in force from 26 Feb 2026)