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$39,728
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,256/mo
Today · 4.125%
HK$42,220
baseline
▲ 0.50% · 4.625%
HK$44,789
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,440/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,383
−HK$1,202/mo
Today · 4.125%
HK$46,585
baseline
▲ 0.50% · 4.625%
HK$49,041
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,170/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,674
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,507/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,746
+HK$3,082/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,037
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,459
−HK$1,443/mo
Today · 4.125%
HK$55,902
baseline
▲ 0.50% · 4.625%
HK$58,849
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,804/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,620
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,350
−HK$1,758/mo
Today · 4.125%
HK$59,108
baseline
▲ 0.50% · 4.625%
HK$62,704
+HK$3,596/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,216/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,876
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,536
−HK$1,683/mo
Today · 4.125%
HK$65,219
baseline
▲ 0.50% · 4.625%
HK$68,657
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,438/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,511
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,735
−HK$2,260/mo
Today · 4.125%
HK$75,995
baseline
▲ 0.50% · 4.625%
HK$80,620
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,990/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,555
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,689
−HK$2,165/mo
Today · 4.125%
HK$83,854
baseline
▲ 0.50% · 4.625%
HK$88,274
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,708/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,354 · Scale 2, in force from 26 Feb 2026)