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$39,767
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,004
−HK$1,257/mo
Today · 4.125%
HK$42,261
baseline
▲ 0.50% · 4.625%
HK$44,832
+HK$2,571/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,522/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,241
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,427
−HK$1,204/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,089
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,721
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$49,205
−HK$1,508/mo
Today · 4.125%
HK$50,713
baseline
▲ 0.50% · 4.625%
HK$53,799
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$101,426/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,089
−HK$2,868/mo
▼ 0.25% · 3.875%
HK$54,512
−HK$1,445/mo
Today · 4.125%
HK$55,957
baseline
▲ 0.50% · 4.625%
HK$58,906
+HK$2,949/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$111,914/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,674
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,406
−HK$1,759/mo
Today · 4.125%
HK$59,165
baseline
▲ 0.50% · 4.625%
HK$62,765
+HK$3,600/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,330/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,937
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$63,598
−HK$1,685/mo
Today · 4.125%
HK$65,283
baseline
▲ 0.50% · 4.625%
HK$68,724
+HK$3,441/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,566/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,581
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,807
−HK$2,263/mo
Today · 4.125%
HK$76,070
baseline
▲ 0.50% · 4.625%
HK$80,698
+HK$4,628/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,140/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,633
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,769
−HK$2,166/mo
Today · 4.125%
HK$83,935
baseline
▲ 0.50% · 4.625%
HK$88,360
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,870/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,992 · Scale 2, in force from 26 Feb 2026)