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$39,751
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,988
−HK$1,256/mo
Today · 4.125%
HK$42,244
baseline
▲ 0.50% · 4.625%
HK$44,814
+HK$2,570/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,488/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,223
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,409
−HK$1,203/mo
Today · 4.125%
HK$46,612
baseline
▲ 0.50% · 4.625%
HK$49,069
+HK$2,457/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,224/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,701
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,185
−HK$1,508/mo
Today · 4.125%
HK$50,693
baseline
▲ 0.50% · 4.625%
HK$53,777
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,386/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,067
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,491
−HK$1,444/mo
Today · 4.125%
HK$55,935
baseline
▲ 0.50% · 4.625%
HK$58,883
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,870/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,652
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,383
−HK$1,759/mo
Today · 4.125%
HK$59,142
baseline
▲ 0.50% · 4.625%
HK$62,740
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,284/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,912
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,572
−HK$1,685/mo
Today · 4.125%
HK$65,257
baseline
▲ 0.50% · 4.625%
HK$68,697
+HK$3,440/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,514/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,552
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,778
−HK$2,261/mo
Today · 4.125%
HK$76,039
baseline
▲ 0.50% · 4.625%
HK$80,666
+HK$4,627/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,078/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,601
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,736
−HK$2,166/mo
Today · 4.125%
HK$83,902
baseline
▲ 0.50% · 4.625%
HK$88,324
+HK$4,422/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,804/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,730 · Scale 2, in force from 26 Feb 2026)