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$39,787
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,024
−HK$1,258/mo
Today · 4.125%
HK$42,282
baseline
▲ 0.50% · 4.625%
HK$44,854
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,564/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,262
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,449
−HK$1,205/mo
Today · 4.125%
HK$46,654
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,308/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,744
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,229
−HK$1,509/mo
Today · 4.125%
HK$50,738
baseline
▲ 0.50% · 4.625%
HK$53,825
+HK$3,087/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,476/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,115
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,539
−HK$1,445/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$58,935
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,701
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,434
−HK$1,760/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,796
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,967
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,629
−HK$1,686/mo
Today · 4.125%
HK$65,315
baseline
▲ 0.50% · 4.625%
HK$68,758
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,630/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,616
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,844
−HK$2,263/mo
Today · 4.125%
HK$76,107
baseline
▲ 0.50% · 4.625%
HK$80,738
+HK$4,631/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,214/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,672
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,809
−HK$2,168/mo
Today · 4.125%
HK$83,977
baseline
▲ 0.50% · 4.625%
HK$88,403
+HK$4,426/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,954/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,313 · Scale 2, in force from 26 Feb 2026)