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$39,687
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,921
−HK$1,254/mo
Today · 4.125%
HK$42,175
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,350/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,151
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,335
−HK$1,201/mo
Today · 4.125%
HK$46,536
baseline
▲ 0.50% · 4.625%
HK$48,989
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,072/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,505/mo
Today · 4.125%
HK$50,610
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,220/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,981
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,402
−HK$1,441/mo
Today · 4.125%
HK$55,843
baseline
▲ 0.50% · 4.625%
HK$58,787
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,686/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,561
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,289
−HK$1,756/mo
Today · 4.125%
HK$59,045
baseline
▲ 0.50% · 4.625%
HK$62,638
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,090/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,811
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,469
−HK$1,682/mo
Today · 4.125%
HK$65,151
baseline
▲ 0.50% · 4.625%
HK$68,585
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,302/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,436
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,658
−HK$2,257/mo
Today · 4.125%
HK$75,915
baseline
▲ 0.50% · 4.625%
HK$80,535
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,830/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,472
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,603
−HK$2,162/mo
Today · 4.125%
HK$83,765
baseline
▲ 0.50% · 4.625%
HK$88,181
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,530/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,666 · Scale 2, in force from 26 Feb 2026)