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$39,739
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,975
−HK$1,256/mo
Today · 4.125%
HK$42,231
baseline
▲ 0.50% · 4.625%
HK$44,801
+HK$2,570/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,462/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,209
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,395
−HK$1,203/mo
Today · 4.125%
HK$46,598
baseline
▲ 0.50% · 4.625%
HK$49,054
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,196/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,687
−HK$2,990/mo
▼ 0.25% · 3.875%
HK$49,170
−HK$1,507/mo
Today · 4.125%
HK$50,677
baseline
▲ 0.50% · 4.625%
HK$53,761
+HK$3,084/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$101,354/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,051
−HK$2,866/mo
▼ 0.25% · 3.875%
HK$54,474
−HK$1,443/mo
Today · 4.125%
HK$55,917
baseline
▲ 0.50% · 4.625%
HK$58,865
+HK$2,948/mo
Deposit HK$6.97M · loan HK$10.46M · min. income ≈ HK$111,834/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,634
−HK$3,489/mo
▼ 0.25% · 3.875%
HK$57,365
−HK$1,758/mo
Today · 4.125%
HK$59,123
baseline
▲ 0.50% · 4.625%
HK$62,721
+HK$3,598/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$118,246/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,893
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$63,553
−HK$1,684/mo
Today · 4.125%
HK$65,237
baseline
▲ 0.50% · 4.625%
HK$68,675
+HK$3,438/mo
Deposit HK$5.23M · loan HK$12.20M · min. income ≈ HK$130,474/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,530
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$73,755
−HK$2,261/mo
Today · 4.125%
HK$76,016
baseline
▲ 0.50% · 4.625%
HK$80,641
+HK$4,625/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$152,032/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,576
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$81,711
−HK$2,165/mo
Today · 4.125%
HK$83,876
baseline
▲ 0.50% · 4.625%
HK$88,297
+HK$4,421/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,752/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,527 · Scale 2, in force from 26 Feb 2026)