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$39,807
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,046
−HK$1,258/mo
Today · 4.125%
HK$42,304
baseline
▲ 0.50% · 4.625%
HK$44,878
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,608/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,285
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,205/mo
Today · 4.125%
HK$46,678
baseline
▲ 0.50% · 4.625%
HK$49,138
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,356/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,769
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,255
−HK$1,509/mo
Today · 4.125%
HK$50,764
baseline
▲ 0.50% · 4.625%
HK$53,853
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,528/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,142
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,567
−HK$1,446/mo
Today · 4.125%
HK$56,013
baseline
▲ 0.50% · 4.625%
HK$58,966
+HK$2,953/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$112,026/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,730
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,464
−HK$1,761/mo
Today · 4.125%
HK$59,225
baseline
▲ 0.50% · 4.625%
HK$62,829
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,450/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,999
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,662
−HK$1,687/mo
Today · 4.125%
HK$65,349
baseline
▲ 0.50% · 4.625%
HK$68,794
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,698/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,653
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,882
−HK$2,264/mo
Today · 4.125%
HK$76,146
baseline
▲ 0.50% · 4.625%
HK$80,780
+HK$4,634/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,292/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,713
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,851
−HK$2,169/mo
Today · 4.125%
HK$84,020
baseline
▲ 0.50% · 4.625%
HK$88,449
+HK$4,429/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,040/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,652 · Scale 2, in force from 26 Feb 2026)