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$39,862
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,259/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,939
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,535
−HK$1,207/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,205
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,834
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,322
−HK$1,512/mo
Today · 4.125%
HK$50,834
baseline
▲ 0.50% · 4.625%
HK$53,927
+HK$3,093/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,668/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,215
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,642
−HK$1,448/mo
Today · 4.125%
HK$56,090
baseline
▲ 0.50% · 4.625%
HK$59,047
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,180/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,806
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,542
−HK$1,764/mo
Today · 4.125%
HK$59,306
baseline
▲ 0.50% · 4.625%
HK$62,915
+HK$3,609/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$118,612/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,084
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,749
−HK$1,689/mo
Today · 4.125%
HK$65,438
baseline
▲ 0.50% · 4.625%
HK$68,888
+HK$3,450/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$130,876/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,751
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,983
−HK$2,268/mo
Today · 4.125%
HK$76,251
baseline
▲ 0.50% · 4.625%
HK$80,890
+HK$4,639/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,502/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,822
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,963
−HK$2,172/mo
Today · 4.125%
HK$84,135
baseline
▲ 0.50% · 4.625%
HK$88,570
+HK$4,435/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,270/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,548 · Scale 2, in force from 26 Feb 2026)