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$39,659
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,893
−HK$1,253/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,711
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,304
−HK$1,200/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$48,955
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,071
−HK$1,504/mo
Today · 4.125%
HK$50,575
baseline
▲ 0.50% · 4.625%
HK$53,653
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,150/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,945
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,364
−HK$1,441/mo
Today · 4.125%
HK$55,805
baseline
▲ 0.50% · 4.625%
HK$58,747
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,610/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,523
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,755/mo
Today · 4.125%
HK$59,005
baseline
▲ 0.50% · 4.625%
HK$62,595
+HK$3,590/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$118,010/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,769
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,425
−HK$1,681/mo
Today · 4.125%
HK$65,106
baseline
▲ 0.50% · 4.625%
HK$68,538
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,212/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,387
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,607
−HK$2,256/mo
Today · 4.125%
HK$75,863
baseline
▲ 0.50% · 4.625%
HK$80,479
+HK$4,616/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,726/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,417
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,547
−HK$2,160/mo
Today · 4.125%
HK$83,707
baseline
▲ 0.50% · 4.625%
HK$88,120
+HK$4,413/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,414/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,216 · Scale 2, in force from 26 Feb 2026)