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$2,488/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,254/mo
Today · 4.125%
HK$42,156
baseline
▲ 0.50% · 4.625%
HK$44,721
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,312/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,131
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,314
−HK$1,201/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$48,967
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,602
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,083
−HK$1,504/mo
Today · 4.125%
HK$50,587
baseline
▲ 0.50% · 4.625%
HK$53,665
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,174/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,957
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,377
−HK$1,441/mo
Today · 4.125%
HK$55,818
baseline
▲ 0.50% · 4.625%
HK$58,760
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,636/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,536
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,263
−HK$1,755/mo
Today · 4.125%
HK$59,018
baseline
▲ 0.50% · 4.625%
HK$62,609
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,036/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,783
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,440
−HK$1,681/mo
Today · 4.125%
HK$65,121
baseline
▲ 0.50% · 4.625%
HK$68,553
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,242/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,403
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,624
−HK$2,257/mo
Today · 4.125%
HK$75,881
baseline
▲ 0.50% · 4.625%
HK$80,498
+HK$4,617/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,762/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,435
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,566
−HK$2,161/mo
Today · 4.125%
HK$83,727
baseline
▲ 0.50% · 4.625%
HK$88,140
+HK$4,413/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,454/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,367 · Scale 2, in force from 26 Feb 2026)