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$39,860
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,100
−HK$1,259/mo
Today · 4.125%
HK$42,359
baseline
▲ 0.50% · 4.625%
HK$44,937
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,718/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,344
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,533
−HK$1,206/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,203
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,832
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,319
−HK$1,512/mo
Today · 4.125%
HK$50,831
baseline
▲ 0.50% · 4.625%
HK$53,924
+HK$3,093/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,662/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,212
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,639
−HK$1,448/mo
Today · 4.125%
HK$56,087
baseline
▲ 0.50% · 4.625%
HK$59,044
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,174/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,804
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,539
−HK$1,764/mo
Today · 4.125%
HK$59,303
baseline
▲ 0.50% · 4.625%
HK$62,911
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$118,606/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,081
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,746
−HK$1,689/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$68,884
+HK$3,449/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,747
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,979
−HK$2,268/mo
Today · 4.125%
HK$76,247
baseline
▲ 0.50% · 4.625%
HK$80,886
+HK$4,639/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,494/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,818
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,959
−HK$2,172/mo
Today · 4.125%
HK$84,131
baseline
▲ 0.50% · 4.625%
HK$88,565
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,262/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,514 · Scale 2, in force from 26 Feb 2026)