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$39,820
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,258/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,892
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,205/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,154
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,784
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,271
−HK$1,510/mo
Today · 4.125%
HK$50,781
baseline
▲ 0.50% · 4.625%
HK$53,871
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,562/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,160
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,447/mo
Today · 4.125%
HK$56,032
baseline
▲ 0.50% · 4.625%
HK$58,985
+HK$2,953/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,064/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,748
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,483
−HK$1,761/mo
Today · 4.125%
HK$59,244
baseline
▲ 0.50% · 4.625%
HK$62,849
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,488/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,020
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,683
−HK$1,687/mo
Today · 4.125%
HK$65,370
baseline
▲ 0.50% · 4.625%
HK$68,816
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,740/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,677
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,906
−HK$2,265/mo
Today · 4.125%
HK$76,171
baseline
▲ 0.50% · 4.625%
HK$80,806
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,342/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,739
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,878
−HK$2,170/mo
Today · 4.125%
HK$84,048
baseline
▲ 0.50% · 4.625%
HK$88,478
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,096/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,866 · Scale 2, in force from 26 Feb 2026)