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$39,741
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,977
−HK$1,256/mo
Today · 4.125%
HK$42,233
baseline
▲ 0.50% · 4.625%
HK$44,803
+HK$2,570/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,466/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,397
−HK$1,203/mo
Today · 4.125%
HK$46,600
baseline
▲ 0.50% · 4.625%
HK$49,056
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,200/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,689
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,173
−HK$1,507/mo
Today · 4.125%
HK$50,680
baseline
▲ 0.50% · 4.625%
HK$53,763
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,360/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,054
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,477
−HK$1,443/mo
Today · 4.125%
HK$55,920
baseline
▲ 0.50% · 4.625%
HK$58,868
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,840/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,637
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,368
−HK$1,758/mo
Today · 4.125%
HK$59,126
baseline
▲ 0.50% · 4.625%
HK$62,724
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,252/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,896
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,556
−HK$1,684/mo
Today · 4.125%
HK$65,240
baseline
▲ 0.50% · 4.625%
HK$68,679
+HK$3,439/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,480/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,534
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,759
−HK$2,261/mo
Today · 4.125%
HK$76,020
baseline
▲ 0.50% · 4.625%
HK$80,645
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,040/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,581
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$81,715
−HK$2,165/mo
Today · 4.125%
HK$83,880
baseline
▲ 0.50% · 4.625%
HK$88,302
+HK$4,422/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,760/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,562 · Scale 2, in force from 26 Feb 2026)