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$39,780
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,018
−HK$1,257/mo
Today · 4.125%
HK$42,275
baseline
▲ 0.50% · 4.625%
HK$44,847
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,550/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,255
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,204/mo
Today · 4.125%
HK$46,646
baseline
▲ 0.50% · 4.625%
HK$49,105
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,292/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,736
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,221
−HK$1,509/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,817
+HK$3,087/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,106
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,531
−HK$1,444/mo
Today · 4.125%
HK$55,975
baseline
▲ 0.50% · 4.625%
HK$58,926
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,950/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,425
−HK$1,760/mo
Today · 4.125%
HK$59,185
baseline
▲ 0.50% · 4.625%
HK$62,786
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,370/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,957
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,619
−HK$1,686/mo
Today · 4.125%
HK$65,305
baseline
▲ 0.50% · 4.625%
HK$68,747
+HK$3,442/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,610/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,605
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,832
−HK$2,263/mo
Today · 4.125%
HK$76,095
baseline
▲ 0.50% · 4.625%
HK$80,725
+HK$4,630/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,190/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,659
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,796
−HK$2,167/mo
Today · 4.125%
HK$83,963
baseline
▲ 0.50% · 4.625%
HK$88,389
+HK$4,426/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,926/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,209 · Scale 2, in force from 26 Feb 2026)