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$39,609
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,841
−HK$1,252/mo
Today · 4.125%
HK$42,093
baseline
▲ 0.50% · 4.625%
HK$44,654
+HK$2,561/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,186/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,065
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,199/mo
Today · 4.125%
HK$46,446
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,448/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,892/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,531
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,010
−HK$1,502/mo
Today · 4.125%
HK$50,512
baseline
▲ 0.50% · 4.625%
HK$53,585
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,024/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,878
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,296
−HK$1,439/mo
Today · 4.125%
HK$55,735
baseline
▲ 0.50% · 4.625%
HK$58,673
+HK$2,938/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,470/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,453
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,178
−HK$1,752/mo
Today · 4.125%
HK$58,930
baseline
▲ 0.50% · 4.625%
HK$62,516
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,860/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,691
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,345
−HK$1,679/mo
Today · 4.125%
HK$65,024
baseline
▲ 0.50% · 4.625%
HK$68,451
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,048/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,297
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$73,514
−HK$2,254/mo
Today · 4.125%
HK$75,768
baseline
▲ 0.50% · 4.625%
HK$80,378
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,536/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,317
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$81,444
−HK$2,158/mo
Today · 4.125%
HK$83,602
baseline
▲ 0.50% · 4.625%
HK$88,009
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,204/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,395 · Scale 2, in force from 26 Feb 2026)