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$39,689
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,254/mo
Today · 4.125%
HK$42,178
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,356/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,154
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,201/mo
Today · 4.125%
HK$46,539
baseline
▲ 0.50% · 4.625%
HK$48,992
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,078/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,627
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,506/mo
Today · 4.125%
HK$50,614
baseline
▲ 0.50% · 4.625%
HK$53,693
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,228/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,405
−HK$1,442/mo
Today · 4.125%
HK$55,847
baseline
▲ 0.50% · 4.625%
HK$58,791
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,694/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,565
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,293
−HK$1,756/mo
Today · 4.125%
HK$59,049
baseline
▲ 0.50% · 4.625%
HK$62,642
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,098/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,815
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,473
−HK$1,682/mo
Today · 4.125%
HK$65,155
baseline
▲ 0.50% · 4.625%
HK$68,589
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,310/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,440
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,663
−HK$2,257/mo
Today · 4.125%
HK$75,920
baseline
▲ 0.50% · 4.625%
HK$80,540
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,840/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,477
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,608
−HK$2,163/mo
Today · 4.125%
HK$83,771
baseline
▲ 0.50% · 4.625%
HK$88,186
+HK$4,415/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,542/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,708 · Scale 2, in force from 26 Feb 2026)