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$39,630
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,863
−HK$1,252/mo
Today · 4.125%
HK$42,115
baseline
▲ 0.50% · 4.625%
HK$44,678
+HK$2,563/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,230/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,088
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,270
−HK$1,200/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$48,919
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,556
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,035
−HK$1,503/mo
Today · 4.125%
HK$50,538
baseline
▲ 0.50% · 4.625%
HK$53,613
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,076/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,906
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,439/mo
Today · 4.125%
HK$55,764
baseline
▲ 0.50% · 4.625%
HK$58,703
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,528/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,482
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,208
−HK$1,753/mo
Today · 4.125%
HK$58,961
baseline
▲ 0.50% · 4.625%
HK$62,549
+HK$3,588/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,922/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,723
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,379
−HK$1,679/mo
Today · 4.125%
HK$65,058
baseline
▲ 0.50% · 4.625%
HK$68,487
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,116/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,334
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,553
−HK$2,254/mo
Today · 4.125%
HK$75,807
baseline
▲ 0.50% · 4.625%
HK$80,420
+HK$4,613/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,614/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,358
−HK$4,288/mo
▼ 0.25% · 3.875%
HK$81,487
−HK$2,159/mo
Today · 4.125%
HK$83,646
baseline
▲ 0.50% · 4.625%
HK$88,055
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,292/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,737 · Scale 2, in force from 26 Feb 2026)