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$39,622
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,854
−HK$1,252/mo
Today · 4.125%
HK$42,106
baseline
▲ 0.50% · 4.625%
HK$44,668
+HK$2,562/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$84,212/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,079
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,261
−HK$1,199/mo
Today · 4.125%
HK$46,460
baseline
▲ 0.50% · 4.625%
HK$48,909
+HK$2,449/mo
Deposit HK$8.69M · loan HK$8.69M · min. income ≈ HK$92,920/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,546
−HK$2,981/mo
▼ 0.25% · 3.875%
HK$49,025
−HK$1,502/mo
Today · 4.125%
HK$50,527
baseline
▲ 0.50% · 4.625%
HK$53,602
+HK$3,075/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$101,054/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,894
−HK$2,858/mo
▼ 0.25% · 3.875%
HK$54,313
−HK$1,439/mo
Today · 4.125%
HK$55,752
baseline
▲ 0.50% · 4.625%
HK$58,691
+HK$2,939/mo
Deposit HK$6.95M · loan HK$10.43M · min. income ≈ HK$111,504/mo (50% DSR)
Upfront cash ≈ HK$7.60M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,470
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,196
−HK$1,753/mo
Today · 4.125%
HK$58,949
baseline
▲ 0.50% · 4.625%
HK$62,535
+HK$3,586/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$117,898/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,710
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$63,365
−HK$1,679/mo
Today · 4.125%
HK$65,044
baseline
▲ 0.50% · 4.625%
HK$68,472
+HK$3,428/mo
Deposit HK$5.21M · loan HK$12.16M · min. income ≈ HK$130,088/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,319
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$73,537
−HK$2,254/mo
Today · 4.125%
HK$75,791
baseline
▲ 0.50% · 4.625%
HK$80,403
+HK$4,612/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$151,582/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,341
−HK$4,287/mo
▼ 0.25% · 3.875%
HK$81,469
−HK$2,159/mo
Today · 4.125%
HK$83,628
baseline
▲ 0.50% · 4.625%
HK$88,036
+HK$4,408/mo
Deposit HK$1.74M · loan HK$15.64M · min. income ≈ HK$167,256/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$651,597 · Scale 2, in force from 26 Feb 2026)