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$39,725
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,961
−HK$1,255/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,785
+HK$2,569/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,194
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,379
−HK$1,202/mo
Today · 4.125%
HK$46,581
baseline
▲ 0.50% · 4.625%
HK$49,037
+HK$2,456/mo
Deposit HK$8.71M · loan HK$8.71M · min. income ≈ HK$93,162/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,670
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,153
−HK$1,506/mo
Today · 4.125%
HK$50,659
baseline
▲ 0.50% · 4.625%
HK$53,742
+HK$3,083/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$101,318/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,032
−HK$2,865/mo
▼ 0.25% · 3.875%
HK$54,455
−HK$1,442/mo
Today · 4.125%
HK$55,897
baseline
▲ 0.50% · 4.625%
HK$58,844
+HK$2,947/mo
Deposit HK$6.97M · loan HK$10.45M · min. income ≈ HK$111,794/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,615
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,345
−HK$1,757/mo
Today · 4.125%
HK$59,102
baseline
▲ 0.50% · 4.625%
HK$62,699
+HK$3,597/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$118,204/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,871
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,530
−HK$1,684/mo
Today · 4.125%
HK$65,214
baseline
▲ 0.50% · 4.625%
HK$68,651
+HK$3,437/mo
Deposit HK$5.23M · loan HK$12.19M · min. income ≈ HK$130,428/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,505
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$73,729
−HK$2,260/mo
Today · 4.125%
HK$75,989
baseline
▲ 0.50% · 4.625%
HK$80,613
+HK$4,624/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$151,978/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,548
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$81,682
−HK$2,164/mo
Today · 4.125%
HK$83,846
baseline
▲ 0.50% · 4.625%
HK$88,266
+HK$4,420/mo
Deposit HK$1.74M · loan HK$15.68M · min. income ≈ HK$167,692/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$653,297 · Scale 2, in force from 26 Feb 2026)