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$39,826
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,065
−HK$1,259/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,899
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,307
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,205/mo
Today · 4.125%
HK$46,700
baseline
▲ 0.50% · 4.625%
HK$49,162
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,400/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,278
−HK$1,511/mo
Today · 4.125%
HK$50,789
baseline
▲ 0.50% · 4.625%
HK$53,879
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,578/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,168
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,594
−HK$1,446/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$58,994
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,757
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,491
−HK$1,762/mo
Today · 4.125%
HK$59,253
baseline
▲ 0.50% · 4.625%
HK$62,859
+HK$3,606/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,506/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,029
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,693
−HK$1,687/mo
Today · 4.125%
HK$65,380
baseline
▲ 0.50% · 4.625%
HK$68,827
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,760/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,688
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,917
−HK$2,266/mo
Today · 4.125%
HK$76,183
baseline
▲ 0.50% · 4.625%
HK$80,819
+HK$4,636/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,366/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,752
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,891
−HK$2,169/mo
Today · 4.125%
HK$84,060
baseline
▲ 0.50% · 4.625%
HK$88,491
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,120/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,967 · Scale 2, in force from 26 Feb 2026)