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$39,604
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,836
−HK$1,251/mo
Today · 4.125%
HK$42,087
baseline
▲ 0.50% · 4.625%
HK$44,648
+HK$2,561/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$84,174/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,059
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,199/mo
Today · 4.125%
HK$46,439
baseline
▲ 0.50% · 4.625%
HK$48,887
+HK$2,448/mo
Deposit HK$8.68M · loan HK$8.68M · min. income ≈ HK$92,878/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,524
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,003
−HK$1,502/mo
Today · 4.125%
HK$50,505
baseline
▲ 0.50% · 4.625%
HK$53,578
+HK$3,073/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$101,010/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,870
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$54,288
−HK$1,439/mo
Today · 4.125%
HK$55,727
baseline
▲ 0.50% · 4.625%
HK$58,664
+HK$2,937/mo
Deposit HK$6.95M · loan HK$10.42M · min. income ≈ HK$111,454/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,445
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,752/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,507
+HK$3,585/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,682
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,678/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,442
+HK$3,427/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,287
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$73,504
−HK$2,253/mo
Today · 4.125%
HK$75,757
baseline
▲ 0.50% · 4.625%
HK$80,367
+HK$4,610/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$151,514/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,306
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$81,433
−HK$2,157/mo
Today · 4.125%
HK$83,590
baseline
▲ 0.50% · 4.625%
HK$87,997
+HK$4,407/mo
Deposit HK$1.74M · loan HK$15.63M · min. income ≈ HK$167,180/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,304 · Scale 2, in force from 26 Feb 2026)