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$39,858
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,097
−HK$1,260/mo
Today · 4.125%
HK$42,357
baseline
▲ 0.50% · 4.625%
HK$44,934
+HK$2,577/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,714/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,341
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,530
−HK$1,207/mo
Today · 4.125%
HK$46,737
baseline
▲ 0.50% · 4.625%
HK$49,200
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,474/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,829
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,317
−HK$1,511/mo
Today · 4.125%
HK$50,828
baseline
▲ 0.50% · 4.625%
HK$53,921
+HK$3,093/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,656/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,209
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,636
−HK$1,448/mo
Today · 4.125%
HK$56,084
baseline
▲ 0.50% · 4.625%
HK$59,040
+HK$2,956/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,168/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,801
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,536
−HK$1,764/mo
Today · 4.125%
HK$59,300
baseline
▲ 0.50% · 4.625%
HK$62,908
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$118,600/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,078
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,743
−HK$1,689/mo
Today · 4.125%
HK$65,432
baseline
▲ 0.50% · 4.625%
HK$68,880
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$130,864/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,744
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,975
−HK$2,268/mo
Today · 4.125%
HK$76,243
baseline
▲ 0.50% · 4.625%
HK$80,882
+HK$4,639/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,486/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,814
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,955
−HK$2,171/mo
Today · 4.125%
HK$84,126
baseline
▲ 0.50% · 4.625%
HK$88,561
+HK$4,435/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,252/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,479 · Scale 2, in force from 26 Feb 2026)