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$39,672
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,254/mo
Today · 4.125%
HK$42,160
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,320/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,135
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,318
−HK$1,201/mo
Today · 4.125%
HK$46,519
baseline
▲ 0.50% · 4.625%
HK$48,971
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,038/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,606
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,087
−HK$1,505/mo
Today · 4.125%
HK$50,592
baseline
▲ 0.50% · 4.625%
HK$53,670
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,184/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,962
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,382
−HK$1,441/mo
Today · 4.125%
HK$55,823
baseline
▲ 0.50% · 4.625%
HK$58,765
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,646/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,541
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,756/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,615
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,788
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,681/mo
Today · 4.125%
HK$65,127
baseline
▲ 0.50% · 4.625%
HK$68,560
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,254/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,409
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,631
−HK$2,256/mo
Today · 4.125%
HK$75,887
baseline
▲ 0.50% · 4.625%
HK$80,505
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,774/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,442
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,573
−HK$2,161/mo
Today · 4.125%
HK$83,734
baseline
▲ 0.50% · 4.625%
HK$88,148
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,468/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,426 · Scale 2, in force from 26 Feb 2026)