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$39,855
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,095
−HK$1,259/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$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,338
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,207/mo
Today · 4.125%
HK$46,734
baseline
▲ 0.50% · 4.625%
HK$49,197
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,468/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,826
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,314
−HK$1,511/mo
Today · 4.125%
HK$50,825
baseline
▲ 0.50% · 4.625%
HK$53,918
+HK$3,093/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,650/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,206
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,633
−HK$1,447/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$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,797
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,532
−HK$1,764/mo
Today · 4.125%
HK$59,296
baseline
▲ 0.50% · 4.625%
HK$62,904
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,592/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,073
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,738
−HK$1,689/mo
Today · 4.125%
HK$65,427
baseline
▲ 0.50% · 4.625%
HK$68,876
+HK$3,449/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,854/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,739
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,970
−HK$2,267/mo
Today · 4.125%
HK$76,237
baseline
▲ 0.50% · 4.625%
HK$80,876
+HK$4,639/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,474/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,809
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,949
−HK$2,171/mo
Today · 4.125%
HK$84,120
baseline
▲ 0.50% · 4.625%
HK$88,555
+HK$4,435/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,240/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,435 · Scale 2, in force from 26 Feb 2026)