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$39,645
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,253/mo
Today · 4.125%
HK$42,131
baseline
▲ 0.50% · 4.625%
HK$44,694
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,262/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,104
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,287
−HK$1,200/mo
Today · 4.125%
HK$46,487
baseline
▲ 0.50% · 4.625%
HK$48,937
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,974/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,573
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,053
−HK$1,504/mo
Today · 4.125%
HK$50,557
baseline
▲ 0.50% · 4.625%
HK$53,633
+HK$3,076/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,114/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,925
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,344
−HK$1,440/mo
Today · 4.125%
HK$55,784
baseline
▲ 0.50% · 4.625%
HK$58,725
+HK$2,941/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,568/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,502
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,229
−HK$1,754/mo
Today · 4.125%
HK$58,983
baseline
▲ 0.50% · 4.625%
HK$62,572
+HK$3,589/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,966/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,746
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,402
−HK$1,680/mo
Today · 4.125%
HK$65,082
baseline
▲ 0.50% · 4.625%
HK$68,512
+HK$3,430/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,164/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,360
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$73,580
−HK$2,255/mo
Today · 4.125%
HK$75,835
baseline
▲ 0.50% · 4.625%
HK$80,449
+HK$4,614/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,670/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,387
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,517
−HK$2,160/mo
Today · 4.125%
HK$83,677
baseline
▲ 0.50% · 4.625%
HK$88,087
+HK$4,410/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,354/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,975 · Scale 2, in force from 26 Feb 2026)