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$39,640
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,873
−HK$1,253/mo
Today · 4.125%
HK$42,126
baseline
▲ 0.50% · 4.625%
HK$44,689
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,252/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,099
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,282
−HK$1,199/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$48,932
+HK$2,451/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,568
−HK$2,983/mo
▼ 0.25% · 3.875%
HK$49,047
−HK$1,504/mo
Today · 4.125%
HK$50,551
baseline
▲ 0.50% · 4.625%
HK$53,627
+HK$3,076/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,102/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,919
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,338
−HK$1,440/mo
Today · 4.125%
HK$55,778
baseline
▲ 0.50% · 4.625%
HK$58,718
+HK$2,940/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,556/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,496
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,222
−HK$1,754/mo
Today · 4.125%
HK$58,976
baseline
▲ 0.50% · 4.625%
HK$62,564
+HK$3,588/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,952/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,739
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,394
−HK$1,680/mo
Today · 4.125%
HK$65,074
baseline
▲ 0.50% · 4.625%
HK$68,504
+HK$3,430/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,148/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,352
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$2,255/mo
Today · 4.125%
HK$75,826
baseline
▲ 0.50% · 4.625%
HK$80,440
+HK$4,614/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,652/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,378
−HK$4,289/mo
▼ 0.25% · 3.875%
HK$81,507
−HK$2,160/mo
Today · 4.125%
HK$83,667
baseline
▲ 0.50% · 4.625%
HK$88,077
+HK$4,410/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,334/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,898 · Scale 2, in force from 26 Feb 2026)