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$39,849
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,089
−HK$1,259/mo
Today · 4.125%
HK$42,348
baseline
▲ 0.50% · 4.625%
HK$44,925
+HK$2,577/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,696/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,332
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,206/mo
Today · 4.125%
HK$46,727
baseline
▲ 0.50% · 4.625%
HK$49,190
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,454/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,819
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,306
−HK$1,512/mo
Today · 4.125%
HK$50,818
baseline
▲ 0.50% · 4.625%
HK$53,910
+HK$3,092/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,636/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,198
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,625
−HK$1,447/mo
Today · 4.125%
HK$56,072
baseline
▲ 0.50% · 4.625%
HK$59,028
+HK$2,956/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,144/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,789
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,524
−HK$1,763/mo
Today · 4.125%
HK$59,287
baseline
▲ 0.50% · 4.625%
HK$62,895
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,574/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,064
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,729
−HK$1,689/mo
Today · 4.125%
HK$65,418
baseline
▲ 0.50% · 4.625%
HK$68,866
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,836/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,728
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,960
−HK$2,266/mo
Today · 4.125%
HK$76,226
baseline
▲ 0.50% · 4.625%
HK$80,865
+HK$4,639/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,452/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,797
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,937
−HK$2,171/mo
Today · 4.125%
HK$84,108
baseline
▲ 0.50% · 4.625%
HK$88,542
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,216/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,340 · Scale 2, in force from 26 Feb 2026)