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$39,811
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,049
−HK$1,258/mo
Today · 4.125%
HK$42,307
baseline
▲ 0.50% · 4.625%
HK$44,881
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,614/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,289
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,205/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,142
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,773
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,259
−HK$1,509/mo
Today · 4.125%
HK$50,768
baseline
▲ 0.50% · 4.625%
HK$53,858
+HK$3,090/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$101,536/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,147
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,572
−HK$1,446/mo
Today · 4.125%
HK$56,018
baseline
▲ 0.50% · 4.625%
HK$58,971
+HK$2,953/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,036/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,735
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,468
−HK$1,762/mo
Today · 4.125%
HK$59,230
baseline
▲ 0.50% · 4.625%
HK$62,834
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,460/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,004
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,667
−HK$1,687/mo
Today · 4.125%
HK$65,354
baseline
▲ 0.50% · 4.625%
HK$68,799
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,708/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,659
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,888
−HK$2,265/mo
Today · 4.125%
HK$76,153
baseline
▲ 0.50% · 4.625%
HK$80,786
+HK$4,633/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,306/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,720
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,858
−HK$2,169/mo
Today · 4.125%
HK$84,027
baseline
▲ 0.50% · 4.625%
HK$88,456
+HK$4,429/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,054/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,706 · Scale 2, in force from 26 Feb 2026)