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$39,696
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,930
−HK$1,255/mo
Today · 4.125%
HK$42,185
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,370/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,161
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,345
−HK$1,202/mo
Today · 4.125%
HK$46,547
baseline
▲ 0.50% · 4.625%
HK$49,000
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,094/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,635
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,116
−HK$1,506/mo
Today · 4.125%
HK$50,622
baseline
▲ 0.50% · 4.625%
HK$53,702
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$101,244/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,993
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,414
−HK$1,442/mo
Today · 4.125%
HK$55,856
baseline
▲ 0.50% · 4.625%
HK$58,800
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$111,712/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,574
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,302
−HK$1,757/mo
Today · 4.125%
HK$59,059
baseline
▲ 0.50% · 4.625%
HK$62,652
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,118/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,825
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,483
−HK$1,682/mo
Today · 4.125%
HK$65,165
baseline
▲ 0.50% · 4.625%
HK$68,600
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,330/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,452
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,675
−HK$2,258/mo
Today · 4.125%
HK$75,933
baseline
▲ 0.50% · 4.625%
HK$80,553
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,866/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,490
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,621
−HK$2,163/mo
Today · 4.125%
HK$83,784
baseline
▲ 0.50% · 4.625%
HK$88,201
+HK$4,417/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,568/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,814 · Scale 2, in force from 26 Feb 2026)