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$39,714
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,255/mo
Today · 4.125%
HK$42,205
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,568/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,410/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,182
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,202/mo
Today · 4.125%
HK$46,569
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,455/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,138/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,140
−HK$1,506/mo
Today · 4.125%
HK$50,646
baseline
▲ 0.50% · 4.625%
HK$53,727
+HK$3,081/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,292/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,443/mo
Today · 4.125%
HK$55,883
baseline
▲ 0.50% · 4.625%
HK$58,828
+HK$2,945/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,766/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,600
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,330
−HK$1,757/mo
Today · 4.125%
HK$59,087
baseline
▲ 0.50% · 4.625%
HK$62,682
+HK$3,595/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,174/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,855
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,514
−HK$1,682/mo
Today · 4.125%
HK$65,196
baseline
▲ 0.50% · 4.625%
HK$68,633
+HK$3,437/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,392/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,486
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$73,710
−HK$2,259/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$80,591
+HK$4,622/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,527
−HK$4,297/mo
▼ 0.25% · 3.875%
HK$81,660
−HK$2,164/mo
Today · 4.125%
HK$83,824
baseline
▲ 0.50% · 4.625%
HK$88,242
+HK$4,418/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,648/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$653,124 · Scale 2, in force from 26 Feb 2026)