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$39,677
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,254/mo
Today · 4.125%
HK$42,165
baseline
▲ 0.50% · 4.625%
HK$44,731
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,330/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,140
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,324
−HK$1,201/mo
Today · 4.125%
HK$46,525
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,050/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,613
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,094
−HK$1,504/mo
Today · 4.125%
HK$50,598
baseline
▲ 0.50% · 4.625%
HK$53,677
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,196/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,968
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,389
−HK$1,441/mo
Today · 4.125%
HK$55,830
baseline
▲ 0.50% · 4.625%
HK$58,773
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,660/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,548
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,276
−HK$1,755/mo
Today · 4.125%
HK$59,031
baseline
▲ 0.50% · 4.625%
HK$62,623
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,062/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,797
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,454
−HK$1,681/mo
Today · 4.125%
HK$65,135
baseline
▲ 0.50% · 4.625%
HK$68,569
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,270/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,419
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,640
−HK$2,257/mo
Today · 4.125%
HK$75,897
baseline
▲ 0.50% · 4.625%
HK$80,516
+HK$4,619/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,794/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,453
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,584
−HK$2,161/mo
Today · 4.125%
HK$83,745
baseline
▲ 0.50% · 4.625%
HK$88,160
+HK$4,415/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,490/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,511 · Scale 2, in force from 26 Feb 2026)