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$39,818
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,056
−HK$1,259/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,889
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,630/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,205/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,268
−HK$1,510/mo
Today · 4.125%
HK$50,778
baseline
▲ 0.50% · 4.625%
HK$53,867
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$101,556/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,582
−HK$1,446/mo
Today · 4.125%
HK$56,028
baseline
▲ 0.50% · 4.625%
HK$58,981
+HK$2,953/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,056/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,745
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,479
−HK$1,762/mo
Today · 4.125%
HK$59,241
baseline
▲ 0.50% · 4.625%
HK$62,845
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,482/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,687/mo
Today · 4.125%
HK$65,366
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,732/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,672
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,901
−HK$2,265/mo
Today · 4.125%
HK$76,166
baseline
▲ 0.50% · 4.625%
HK$80,801
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,332/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,734
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,873
−HK$2,169/mo
Today · 4.125%
HK$84,042
baseline
▲ 0.50% · 4.625%
HK$88,472
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,084/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,824 · Scale 2, in force from 26 Feb 2026)