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$39,693
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,928
−HK$1,254/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,202/mo
Today · 4.125%
HK$46,544
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,088/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,632
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,505/mo
Today · 4.125%
HK$50,618
baseline
▲ 0.50% · 4.625%
HK$53,698
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,236/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,990
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,411
−HK$1,441/mo
Today · 4.125%
HK$55,852
baseline
▲ 0.50% · 4.625%
HK$58,797
+HK$2,945/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,704/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,570
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,299
−HK$1,756/mo
Today · 4.125%
HK$59,055
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,110/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,821
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,479
−HK$1,682/mo
Today · 4.125%
HK$65,161
baseline
▲ 0.50% · 4.625%
HK$68,596
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,322/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$2,258/mo
Today · 4.125%
HK$75,928
baseline
▲ 0.50% · 4.625%
HK$80,548
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,856/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,484
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,616
−HK$2,163/mo
Today · 4.125%
HK$83,779
baseline
▲ 0.50% · 4.625%
HK$88,195
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,558/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,772 · Scale 2, in force from 26 Feb 2026)