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$39,749
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,256/mo
Today · 4.125%
HK$42,242
baseline
▲ 0.50% · 4.625%
HK$44,812
+HK$2,570/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,484/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,221
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,203/mo
Today · 4.125%
HK$46,610
baseline
▲ 0.50% · 4.625%
HK$49,067
+HK$2,457/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,220/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$49,183
−HK$1,507/mo
Today · 4.125%
HK$50,690
baseline
▲ 0.50% · 4.625%
HK$53,775
+HK$3,085/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,380/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,065
−HK$2,867/mo
▼ 0.25% · 3.875%
HK$54,488
−HK$1,444/mo
Today · 4.125%
HK$55,932
baseline
▲ 0.50% · 4.625%
HK$58,880
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,864/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,649
−HK$3,490/mo
▼ 0.25% · 3.875%
HK$57,380
−HK$1,759/mo
Today · 4.125%
HK$59,139
baseline
▲ 0.50% · 4.625%
HK$62,737
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,278/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,909
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$63,569
−HK$1,685/mo
Today · 4.125%
HK$65,254
baseline
▲ 0.50% · 4.625%
HK$68,693
+HK$3,439/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,508/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,549
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$73,774
−HK$2,262/mo
Today · 4.125%
HK$76,036
baseline
▲ 0.50% · 4.625%
HK$80,662
+HK$4,626/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$152,072/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,597
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$81,732
−HK$2,166/mo
Today · 4.125%
HK$83,898
baseline
▲ 0.50% · 4.625%
HK$88,320
+HK$4,422/mo
Deposit HK$1.74M · loan HK$15.69M · min. income ≈ HK$167,796/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,699 · Scale 2, in force from 26 Feb 2026)