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$39,821
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,060
−HK$1,258/mo
Today · 4.125%
HK$42,318
baseline
▲ 0.50% · 4.625%
HK$44,893
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,636/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,489
−HK$1,205/mo
Today · 4.125%
HK$46,694
baseline
▲ 0.50% · 4.625%
HK$49,155
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,388/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,510/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,872
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,161
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,586
−HK$1,447/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$58,986
+HK$2,953/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,749
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,761/mo
Today · 4.125%
HK$59,245
baseline
▲ 0.50% · 4.625%
HK$62,850
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,490/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,021
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,684
−HK$1,687/mo
Today · 4.125%
HK$65,371
baseline
▲ 0.50% · 4.625%
HK$68,817
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,742/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,678
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,907
−HK$2,266/mo
Today · 4.125%
HK$76,173
baseline
▲ 0.50% · 4.625%
HK$80,808
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,346/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,741
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,879
−HK$2,170/mo
Today · 4.125%
HK$84,049
baseline
▲ 0.50% · 4.625%
HK$88,479
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,098/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,877 · Scale 2, in force from 26 Feb 2026)