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$41,088
−HK$1,260/mo
Today · 4.125%
HK$42,348
baseline
▲ 0.50% · 4.625%
HK$44,924
+HK$2,576/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$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,331
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,520
−HK$1,206/mo
Today · 4.125%
HK$46,726
baseline
▲ 0.50% · 4.625%
HK$49,189
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,452/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,818
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,306
−HK$1,511/mo
Today · 4.125%
HK$50,817
baseline
▲ 0.50% · 4.625%
HK$53,909
+HK$3,092/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,634/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,198
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,624
−HK$1,448/mo
Today · 4.125%
HK$56,072
baseline
▲ 0.50% · 4.625%
HK$59,027
+HK$2,955/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$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,788
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,523
−HK$1,764/mo
Today · 4.125%
HK$59,287
baseline
▲ 0.50% · 4.625%
HK$62,894
+HK$3,607/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$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,064
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,728
−HK$1,689/mo
Today · 4.125%
HK$65,417
baseline
▲ 0.50% · 4.625%
HK$68,865
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,834/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,728
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,959
−HK$2,267/mo
Today · 4.125%
HK$76,226
baseline
▲ 0.50% · 4.625%
HK$80,864
+HK$4,638/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$655,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,796
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,936
−HK$2,171/mo
Today · 4.125%
HK$84,107
baseline
▲ 0.50% · 4.625%
HK$88,541
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,214/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,333 · Scale 2, in force from 26 Feb 2026)