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$2,487/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,253/mo
Today · 4.125%
HK$42,159
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,318/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,134
−HK$2,385/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$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,606
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,087
−HK$1,504/mo
Today · 4.125%
HK$50,591
baseline
▲ 0.50% · 4.625%
HK$53,669
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,182/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,961
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,381
−HK$1,441/mo
Today · 4.125%
HK$55,822
baseline
▲ 0.50% · 4.625%
HK$58,765
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,644/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,540
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,268
−HK$1,755/mo
Today · 4.125%
HK$59,023
baseline
▲ 0.50% · 4.625%
HK$62,614
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,046/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,788
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,445
−HK$1,681/mo
Today · 4.125%
HK$65,126
baseline
▲ 0.50% · 4.625%
HK$68,559
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,252/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,409
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,630
−HK$2,257/mo
Today · 4.125%
HK$75,887
baseline
▲ 0.50% · 4.625%
HK$80,504
+HK$4,617/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$652,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,441
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,572
−HK$2,161/mo
Today · 4.125%
HK$83,733
baseline
▲ 0.50% · 4.625%
HK$88,147
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,466/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,419 · Scale 2, in force from 26 Feb 2026)