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$39,770
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,257/mo
Today · 4.125%
HK$42,264
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,528/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,244
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,430
−HK$1,204/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,724
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,208
−HK$1,509/mo
Today · 4.125%
HK$50,717
baseline
▲ 0.50% · 4.625%
HK$53,803
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$101,434/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,092
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,516
−HK$1,445/mo
Today · 4.125%
HK$55,961
baseline
▲ 0.50% · 4.625%
HK$58,911
+HK$2,950/mo
Deposit HK$6.98M · loan HK$10.46M · min. income ≈ HK$111,922/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,678
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,410
−HK$1,759/mo
Today · 4.125%
HK$59,169
baseline
▲ 0.50% · 4.625%
HK$62,770
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,338/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,941
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,686/mo
Today · 4.125%
HK$65,288
baseline
▲ 0.50% · 4.625%
HK$68,729
+HK$3,441/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,576/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,586
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,813
−HK$2,262/mo
Today · 4.125%
HK$76,075
baseline
▲ 0.50% · 4.625%
HK$80,704
+HK$4,629/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,150/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,639
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,774
−HK$2,167/mo
Today · 4.125%
HK$83,941
baseline
▲ 0.50% · 4.625%
HK$88,366
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,882/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,038 · Scale 2, in force from 26 Feb 2026)