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$39,795
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,258/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,863
+HK$2,573/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,458
−HK$1,205/mo
Today · 4.125%
HK$46,663
baseline
▲ 0.50% · 4.625%
HK$49,123
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,326/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,753
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,239
−HK$1,509/mo
Today · 4.125%
HK$50,748
baseline
▲ 0.50% · 4.625%
HK$53,836
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,496/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,125
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,550
−HK$1,445/mo
Today · 4.125%
HK$55,995
baseline
▲ 0.50% · 4.625%
HK$58,947
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,990/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,712
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,445
−HK$1,761/mo
Today · 4.125%
HK$59,206
baseline
▲ 0.50% · 4.625%
HK$62,809
+HK$3,603/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,412/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,979
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,642
−HK$1,686/mo
Today · 4.125%
HK$65,328
baseline
▲ 0.50% · 4.625%
HK$68,772
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,656/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,630
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,858
−HK$2,264/mo
Today · 4.125%
HK$76,122
baseline
▲ 0.50% · 4.625%
HK$80,754
+HK$4,632/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,244/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,688
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,825
−HK$2,168/mo
Today · 4.125%
HK$83,993
baseline
▲ 0.50% · 4.625%
HK$88,421
+HK$4,428/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$167,986/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,442 · Scale 2, in force from 26 Feb 2026)