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$39,698
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,933
−HK$1,254/mo
Today · 4.125%
HK$42,187
baseline
▲ 0.50% · 4.625%
HK$44,754
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,374/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,348
−HK$1,202/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,003
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,638
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,119
−HK$1,506/mo
Today · 4.125%
HK$50,625
baseline
▲ 0.50% · 4.625%
HK$53,705
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$101,250/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,996
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$54,418
−HK$1,442/mo
Today · 4.125%
HK$55,860
baseline
▲ 0.50% · 4.625%
HK$58,804
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.45M · min. income ≈ HK$111,720/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,577
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,306
−HK$1,756/mo
Today · 4.125%
HK$59,062
baseline
▲ 0.50% · 4.625%
HK$62,656
+HK$3,594/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$118,124/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,829
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,487
−HK$1,683/mo
Today · 4.125%
HK$65,170
baseline
▲ 0.50% · 4.625%
HK$68,605
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.19M · min. income ≈ HK$130,340/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,456
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$73,679
−HK$2,258/mo
Today · 4.125%
HK$75,937
baseline
▲ 0.50% · 4.625%
HK$80,558
+HK$4,621/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,874/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,495
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,627
−HK$2,162/mo
Today · 4.125%
HK$83,789
baseline
▲ 0.50% · 4.625%
HK$88,206
+HK$4,417/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,578/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,856 · Scale 2, in force from 26 Feb 2026)