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$39,789
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,258/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,857
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,265
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,452
−HK$1,205/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,116
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,747
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,232
−HK$1,509/mo
Today · 4.125%
HK$50,741
baseline
▲ 0.50% · 4.625%
HK$53,829
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,482/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,118
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,543
−HK$1,445/mo
Today · 4.125%
HK$55,988
baseline
▲ 0.50% · 4.625%
HK$58,939
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,976/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,705
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,438
−HK$1,760/mo
Today · 4.125%
HK$59,198
baseline
▲ 0.50% · 4.625%
HK$62,800
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,396/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,971
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,633
−HK$1,687/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$68,763
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,621
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,849
−HK$2,263/mo
Today · 4.125%
HK$76,112
baseline
▲ 0.50% · 4.625%
HK$80,743
+HK$4,631/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,224/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,678
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,814
−HK$2,168/mo
Today · 4.125%
HK$83,982
baseline
▲ 0.50% · 4.625%
HK$88,409
+HK$4,427/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,964/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,358 · Scale 2, in force from 26 Feb 2026)