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$39,810
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,258/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,288
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,204/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,141
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,771
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,257
−HK$1,510/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,856
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,145
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,571
−HK$1,446/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$58,969
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,733
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,467
−HK$1,761/mo
Today · 4.125%
HK$59,228
baseline
▲ 0.50% · 4.625%
HK$62,832
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,456/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,003
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,687/mo
Today · 4.125%
HK$65,353
baseline
▲ 0.50% · 4.625%
HK$68,797
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,706/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,657
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,886
−HK$2,265/mo
Today · 4.125%
HK$76,151
baseline
▲ 0.50% · 4.625%
HK$80,784
+HK$4,633/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,302/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,718
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,856
−HK$2,169/mo
Today · 4.125%
HK$84,025
baseline
▲ 0.50% · 4.625%
HK$88,454
+HK$4,429/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,050/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,690 · Scale 2, in force from 26 Feb 2026)