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$39,843
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,259/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,918
+HK$2,577/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,325
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,513
−HK$1,206/mo
Today · 4.125%
HK$46,719
baseline
▲ 0.50% · 4.625%
HK$49,182
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,438/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,811
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,511/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,901
+HK$3,092/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,189
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,616
−HK$1,447/mo
Today · 4.125%
HK$56,063
baseline
▲ 0.50% · 4.625%
HK$59,018
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,126/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,780
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,515
−HK$1,763/mo
Today · 4.125%
HK$59,278
baseline
▲ 0.50% · 4.625%
HK$62,885
+HK$3,607/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,556/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,054
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,719
−HK$1,688/mo
Today · 4.125%
HK$65,407
baseline
▲ 0.50% · 4.625%
HK$68,855
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,814/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,717
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,948
−HK$2,266/mo
Today · 4.125%
HK$76,214
baseline
▲ 0.50% · 4.625%
HK$80,852
+HK$4,638/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,428/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,784
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,924
−HK$2,171/mo
Today · 4.125%
HK$84,095
baseline
▲ 0.50% · 4.625%
HK$88,527
+HK$4,432/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,190/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,234 · Scale 2, in force from 26 Feb 2026)