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$39,690
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,925
−HK$1,254/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,745
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,339
−HK$1,201/mo
Today · 4.125%
HK$46,540
baseline
▲ 0.50% · 4.625%
HK$48,993
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,080/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,628
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,109
−HK$1,506/mo
Today · 4.125%
HK$50,615
baseline
▲ 0.50% · 4.625%
HK$53,694
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,230/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,407
−HK$1,441/mo
Today · 4.125%
HK$55,848
baseline
▲ 0.50% · 4.625%
HK$58,792
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,696/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,566
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,756/mo
Today · 4.125%
HK$59,050
baseline
▲ 0.50% · 4.625%
HK$62,643
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,100/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,817
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,474
−HK$1,682/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$68,591
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,442
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,664
−HK$2,258/mo
Today · 4.125%
HK$75,922
baseline
▲ 0.50% · 4.625%
HK$80,542
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,844/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,478
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,610
−HK$2,162/mo
Today · 4.125%
HK$83,772
baseline
▲ 0.50% · 4.625%
HK$88,188
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,544/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,722 · Scale 2, in force from 26 Feb 2026)