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$39,683
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,917
−HK$1,254/mo
Today · 4.125%
HK$42,171
baseline
▲ 0.50% · 4.625%
HK$44,737
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,342/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,147
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,201/mo
Today · 4.125%
HK$46,532
baseline
▲ 0.50% · 4.625%
HK$48,985
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,064/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,620
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,101
−HK$1,505/mo
Today · 4.125%
HK$50,606
baseline
▲ 0.50% · 4.625%
HK$53,685
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,212/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,976
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,397
−HK$1,441/mo
Today · 4.125%
HK$55,838
baseline
▲ 0.50% · 4.625%
HK$58,782
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,676/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,556
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,284
−HK$1,756/mo
Today · 4.125%
HK$59,040
baseline
▲ 0.50% · 4.625%
HK$62,632
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,080/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,806
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,463
−HK$1,682/mo
Today · 4.125%
HK$65,145
baseline
▲ 0.50% · 4.625%
HK$68,579
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,290/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,429
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,651
−HK$2,258/mo
Today · 4.125%
HK$75,909
baseline
▲ 0.50% · 4.625%
HK$80,527
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,818/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,464
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,596
−HK$2,162/mo
Today · 4.125%
HK$83,758
baseline
▲ 0.50% · 4.625%
HK$88,173
+HK$4,415/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,516/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,608 · Scale 2, in force from 26 Feb 2026)