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$39,836
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,259/mo
Today · 4.125%
HK$42,334
baseline
▲ 0.50% · 4.625%
HK$44,910
+HK$2,576/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,668/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,318
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,506
−HK$1,206/mo
Today · 4.125%
HK$46,712
baseline
▲ 0.50% · 4.625%
HK$49,174
+HK$2,462/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,424/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,804
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,291
−HK$1,510/mo
Today · 4.125%
HK$50,801
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,602/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,181
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,607
−HK$1,447/mo
Today · 4.125%
HK$56,054
baseline
▲ 0.50% · 4.625%
HK$59,009
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,108/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,771
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,506
−HK$1,762/mo
Today · 4.125%
HK$59,268
baseline
▲ 0.50% · 4.625%
HK$62,875
+HK$3,607/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,536/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,045
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,709
−HK$1,688/mo
Today · 4.125%
HK$65,397
baseline
▲ 0.50% · 4.625%
HK$68,844
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,794/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,705
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,936
−HK$2,266/mo
Today · 4.125%
HK$76,202
baseline
▲ 0.50% · 4.625%
HK$80,839
+HK$4,637/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,404/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,772
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,911
−HK$2,170/mo
Today · 4.125%
HK$84,081
baseline
▲ 0.50% · 4.625%
HK$88,513
+HK$4,432/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,162/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,130 · Scale 2, in force from 26 Feb 2026)