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$39,854
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,260/mo
Today · 4.125%
HK$42,354
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,577/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,708/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,338
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,206/mo
Today · 4.125%
HK$46,733
baseline
▲ 0.50% · 4.625%
HK$49,196
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,466/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,825
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,313
−HK$1,511/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,917
+HK$3,093/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,205
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,448/mo
Today · 4.125%
HK$56,080
baseline
▲ 0.50% · 4.625%
HK$59,036
+HK$2,956/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,160/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,796
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,532
−HK$1,763/mo
Today · 4.125%
HK$59,295
baseline
▲ 0.50% · 4.625%
HK$62,903
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,590/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,073
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,737
−HK$1,689/mo
Today · 4.125%
HK$65,426
baseline
▲ 0.50% · 4.625%
HK$68,875
+HK$3,449/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,852/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,738
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,969
−HK$2,267/mo
Today · 4.125%
HK$76,236
baseline
▲ 0.50% · 4.625%
HK$80,875
+HK$4,639/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,472/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,808
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,948
−HK$2,171/mo
Today · 4.125%
HK$84,119
baseline
▲ 0.50% · 4.625%
HK$88,553
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,238/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,425 · Scale 2, in force from 26 Feb 2026)