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$39,822
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,060
−HK$1,259/mo
Today · 4.125%
HK$42,319
baseline
▲ 0.50% · 4.625%
HK$44,894
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,638/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,301
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,489
−HK$1,205/mo
Today · 4.125%
HK$46,694
baseline
▲ 0.50% · 4.625%
HK$49,156
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,388/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,786
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,272
−HK$1,510/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,872
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,161
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,587
−HK$1,446/mo
Today · 4.125%
HK$56,033
baseline
▲ 0.50% · 4.625%
HK$58,987
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,066/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,750
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,484
−HK$1,762/mo
Today · 4.125%
HK$59,246
baseline
▲ 0.50% · 4.625%
HK$62,851
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,492/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,021
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,685
−HK$1,687/mo
Today · 4.125%
HK$65,372
baseline
▲ 0.50% · 4.625%
HK$68,818
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,744/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,679
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,908
−HK$2,266/mo
Today · 4.125%
HK$76,174
baseline
▲ 0.50% · 4.625%
HK$80,809
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,348/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,880
−HK$2,170/mo
Today · 4.125%
HK$84,050
baseline
▲ 0.50% · 4.625%
HK$88,480
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,100/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,886 · Scale 2, in force from 26 Feb 2026)