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$39,824
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,259/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,896
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,205/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,158
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,788
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,275
−HK$1,510/mo
Today · 4.125%
HK$50,785
baseline
▲ 0.50% · 4.625%
HK$53,875
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,570/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,164
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,590
−HK$1,446/mo
Today · 4.125%
HK$56,036
baseline
▲ 0.50% · 4.625%
HK$58,990
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,072/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,753
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,487
−HK$1,762/mo
Today · 4.125%
HK$59,249
baseline
▲ 0.50% · 4.625%
HK$62,854
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,498/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,025
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,688
−HK$1,688/mo
Today · 4.125%
HK$65,376
baseline
▲ 0.50% · 4.625%
HK$68,822
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,752/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,682
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,912
−HK$2,266/mo
Today · 4.125%
HK$76,178
baseline
▲ 0.50% · 4.625%
HK$80,813
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,356/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,746
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,885
−HK$2,169/mo
Today · 4.125%
HK$84,054
baseline
▲ 0.50% · 4.625%
HK$88,485
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,108/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,920 · Scale 2, in force from 26 Feb 2026)