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$39,699
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,934
−HK$1,255/mo
Today · 4.125%
HK$42,189
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,378/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,165
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,202/mo
Today · 4.125%
HK$46,551
baseline
▲ 0.50% · 4.625%
HK$49,005
+HK$2,454/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,102/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,639
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,121
−HK$1,505/mo
Today · 4.125%
HK$50,626
baseline
▲ 0.50% · 4.625%
HK$53,707
+HK$3,081/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$101,252/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,998
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,419
−HK$1,442/mo
Today · 4.125%
HK$55,861
baseline
▲ 0.50% · 4.625%
HK$58,806
+HK$2,945/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$111,722/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,579
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,308
−HK$1,756/mo
Today · 4.125%
HK$59,064
baseline
▲ 0.50% · 4.625%
HK$62,658
+HK$3,594/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,128/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,831
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,682/mo
Today · 4.125%
HK$65,171
baseline
▲ 0.50% · 4.625%
HK$68,607
+HK$3,436/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,342/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,458
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$73,681
−HK$2,259/mo
Today · 4.125%
HK$75,940
baseline
▲ 0.50% · 4.625%
HK$80,560
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,880/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,497
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$81,629
−HK$2,163/mo
Today · 4.125%
HK$83,792
baseline
▲ 0.50% · 4.625%
HK$88,209
+HK$4,417/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,584/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,873 · Scale 2, in force from 26 Feb 2026)