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$39,693
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,255/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,201/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,454/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,631
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,113
−HK$1,505/mo
Today · 4.125%
HK$50,618
baseline
▲ 0.50% · 4.625%
HK$53,698
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,236/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,989
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,442/mo
Today · 4.125%
HK$55,852
baseline
▲ 0.50% · 4.625%
HK$58,796
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,704/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,570
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,298
−HK$1,756/mo
Today · 4.125%
HK$59,054
baseline
▲ 0.50% · 4.625%
HK$62,648
+HK$3,594/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,108/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,821
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,479
−HK$1,682/mo
Today · 4.125%
HK$65,161
baseline
▲ 0.50% · 4.625%
HK$68,595
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,322/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,669
−HK$2,258/mo
Today · 4.125%
HK$75,927
baseline
▲ 0.50% · 4.625%
HK$80,547
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,854/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,484
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,615
−HK$2,163/mo
Today · 4.125%
HK$83,778
baseline
▲ 0.50% · 4.625%
HK$88,194
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,556/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,765 · Scale 2, in force from 26 Feb 2026)