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$39,668
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,253/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,720
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,130
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,314
−HK$1,200/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$48,966
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,601
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,082
−HK$1,504/mo
Today · 4.125%
HK$50,586
baseline
▲ 0.50% · 4.625%
HK$53,664
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,172/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,956
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,376
−HK$1,441/mo
Today · 4.125%
HK$55,817
baseline
▲ 0.50% · 4.625%
HK$58,759
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,634/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,535
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,262
−HK$1,755/mo
Today · 4.125%
HK$59,017
baseline
▲ 0.50% · 4.625%
HK$62,608
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,034/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,782
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,439
−HK$1,681/mo
Today · 4.125%
HK$65,120
baseline
▲ 0.50% · 4.625%
HK$68,552
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,240/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,402
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,623
−HK$2,257/mo
Today · 4.125%
HK$75,880
baseline
▲ 0.50% · 4.625%
HK$80,497
+HK$4,617/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,760/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,434
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,564
−HK$2,162/mo
Today · 4.125%
HK$83,726
baseline
▲ 0.50% · 4.625%
HK$88,139
+HK$4,413/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,452/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,358 · Scale 2, in force from 26 Feb 2026)