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$41,057
−HK$1,258/mo
Today · 4.125%
HK$42,315
baseline
▲ 0.50% · 4.625%
HK$44,890
+HK$2,575/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$654,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,206/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,152
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,782
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$49,268
−HK$1,510/mo
Today · 4.125%
HK$50,778
baseline
▲ 0.50% · 4.625%
HK$53,868
+HK$3,090/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$654,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,157
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,582
−HK$1,447/mo
Today · 4.125%
HK$56,029
baseline
▲ 0.50% · 4.625%
HK$58,982
+HK$2,953/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,058/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,830 · 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$62,846
+HK$3,605/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$654,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,016
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,688/mo
Today · 4.125%
HK$65,367
baseline
▲ 0.50% · 4.625%
HK$68,812
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,734/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,673
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,902
−HK$2,265/mo
Today · 4.125%
HK$76,167
baseline
▲ 0.50% · 4.625%
HK$80,802
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,334/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,735
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,874
−HK$2,169/mo
Today · 4.125%
HK$84,043
baseline
▲ 0.50% · 4.625%
HK$88,473
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,086/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,830 · Scale 2, in force from 26 Feb 2026)