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$39,871
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,111
−HK$1,260/mo
Today · 4.125%
HK$42,371
baseline
▲ 0.50% · 4.625%
HK$44,950
+HK$2,579/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,742/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,356
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,546
−HK$1,207/mo
Today · 4.125%
HK$46,753
baseline
▲ 0.50% · 4.625%
HK$49,217
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,506/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,845
−HK$3,001/mo
▼ 0.25% · 3.875%
HK$49,334
−HK$1,512/mo
Today · 4.125%
HK$50,846
baseline
▲ 0.50% · 4.625%
HK$53,940
+HK$3,094/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,692/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,228
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,655
−HK$1,448/mo
Today · 4.125%
HK$56,103
baseline
▲ 0.50% · 4.625%
HK$59,061
+HK$2,958/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,206/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,820
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,556
−HK$1,764/mo
Today · 4.125%
HK$59,320
baseline
▲ 0.50% · 4.625%
HK$62,930
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,640/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,764
−HK$1,690/mo
Today · 4.125%
HK$65,454
baseline
▲ 0.50% · 4.625%
HK$68,904
+HK$3,450/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,908/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,768
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,001
−HK$2,268/mo
Today · 4.125%
HK$76,269
baseline
▲ 0.50% · 4.625%
HK$80,909
+HK$4,640/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,538/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,841
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,983
−HK$2,172/mo
Today · 4.125%
HK$84,155
baseline
▲ 0.50% · 4.625%
HK$88,591
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,310/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,703 · Scale 2, in force from 26 Feb 2026)