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$39,813
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,052
−HK$1,258/mo
Today · 4.125%
HK$42,310
baseline
▲ 0.50% · 4.625%
HK$44,884
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,620/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,292
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,480
−HK$1,205/mo
Today · 4.125%
HK$46,685
baseline
▲ 0.50% · 4.625%
HK$49,146
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,370/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,776
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,262
−HK$1,510/mo
Today · 4.125%
HK$50,772
baseline
▲ 0.50% · 4.625%
HK$53,861
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$101,544/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,150
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,576
−HK$1,446/mo
Today · 4.125%
HK$56,022
baseline
▲ 0.50% · 4.625%
HK$58,975
+HK$2,953/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,044/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,738
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,472
−HK$1,762/mo
Today · 4.125%
HK$59,234
baseline
▲ 0.50% · 4.625%
HK$62,838
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,468/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,009
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,672
−HK$1,687/mo
Today · 4.125%
HK$65,359
baseline
▲ 0.50% · 4.625%
HK$68,804
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,718/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,664
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,893
−HK$2,265/mo
Today · 4.125%
HK$76,158
baseline
▲ 0.50% · 4.625%
HK$80,792
+HK$4,634/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,316/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,725
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,863
−HK$2,170/mo
Today · 4.125%
HK$84,033
baseline
▲ 0.50% · 4.625%
HK$88,462
+HK$4,429/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,066/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,749 · Scale 2, in force from 26 Feb 2026)