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$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,253/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,199/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,450/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,553
−HK$2,982/mo
▼ 0.25% · 3.875%
HK$49,032
−HK$1,503/mo
Today · 4.125%
HK$50,535
baseline
▲ 0.50% · 4.625%
HK$53,610
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,070/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,902
−HK$2,859/mo
▼ 0.25% · 3.875%
HK$54,321
−HK$1,440/mo
Today · 4.125%
HK$55,761
baseline
▲ 0.50% · 4.625%
HK$58,700
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,522/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,479
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,204
−HK$1,754/mo
Today · 4.125%
HK$58,958
baseline
▲ 0.50% · 4.625%
HK$62,545
+HK$3,587/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$117,916/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,720
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,375
−HK$1,679/mo
Today · 4.125%
HK$65,054
baseline
▲ 0.50% · 4.625%
HK$68,483
+HK$3,429/mo
Deposit HK$5.21M · loan HK$12.17M · min. income ≈ HK$130,108/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,330
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$73,549
−HK$2,254/mo
Today · 4.125%
HK$75,803
baseline
▲ 0.50% · 4.625%
HK$80,415
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,606/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,354
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,482
−HK$2,159/mo
Today · 4.125%
HK$83,641
baseline
▲ 0.50% · 4.625%
HK$88,050
+HK$4,409/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,282/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,698 · Scale 2, in force from 26 Feb 2026)