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$39,835
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,074
−HK$1,259/mo
Today · 4.125%
HK$42,333
baseline
▲ 0.50% · 4.625%
HK$44,909
+HK$2,576/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,666/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,316
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,504
−HK$1,206/mo
Today · 4.125%
HK$46,710
baseline
▲ 0.50% · 4.625%
HK$49,172
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,420/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,802
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,289
−HK$1,510/mo
Today · 4.125%
HK$50,799
baseline
▲ 0.50% · 4.625%
HK$53,890
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,598/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,179
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,605
−HK$1,447/mo
Today · 4.125%
HK$56,052
baseline
▲ 0.50% · 4.625%
HK$59,007
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,104/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,769
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,503
−HK$1,763/mo
Today · 4.125%
HK$59,266
baseline
▲ 0.50% · 4.625%
HK$62,872
+HK$3,606/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,532/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,042
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,688/mo
Today · 4.125%
HK$65,394
baseline
▲ 0.50% · 4.625%
HK$68,841
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,788/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,703
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,933
−HK$2,266/mo
Today · 4.125%
HK$76,199
baseline
▲ 0.50% · 4.625%
HK$80,835
+HK$4,636/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,398/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,768
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,908
−HK$2,170/mo
Today · 4.125%
HK$84,078
baseline
▲ 0.50% · 4.625%
HK$88,510
+HK$4,432/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,156/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,104 · Scale 2, in force from 26 Feb 2026)