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$39,656
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,254/mo
Today · 4.125%
HK$42,143
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,564/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,286/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,117
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,300
−HK$1,200/mo
Today · 4.125%
HK$46,500
baseline
▲ 0.50% · 4.625%
HK$48,951
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,000/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,587
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,067
−HK$1,504/mo
Today · 4.125%
HK$50,571
baseline
▲ 0.50% · 4.625%
HK$53,648
+HK$3,077/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$101,142/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,940
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,360
−HK$1,440/mo
Today · 4.125%
HK$55,800
baseline
▲ 0.50% · 4.625%
HK$58,742
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$111,600/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,518
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,245
−HK$1,755/mo
Today · 4.125%
HK$59,000
baseline
▲ 0.50% · 4.625%
HK$62,590
+HK$3,590/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$118,000/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,764
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,420
−HK$1,680/mo
Today · 4.125%
HK$65,100
baseline
▲ 0.50% · 4.625%
HK$68,532
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,200/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,381
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,601
−HK$2,256/mo
Today · 4.125%
HK$75,857
baseline
▲ 0.50% · 4.625%
HK$80,473
+HK$4,616/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,714/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,410
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,540
−HK$2,161/mo
Today · 4.125%
HK$83,701
baseline
▲ 0.50% · 4.625%
HK$88,112
+HK$4,411/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,402/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,162 · Scale 2, in force from 26 Feb 2026)