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$39,824
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,063
−HK$1,258/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,576/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,304
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,205/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,159
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,789
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,275
−HK$1,511/mo
Today · 4.125%
HK$50,786
baseline
▲ 0.50% · 4.625%
HK$53,876
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,572/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,165
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,591
−HK$1,446/mo
Today · 4.125%
HK$56,037
baseline
▲ 0.50% · 4.625%
HK$58,991
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,074/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,488
−HK$1,762/mo
Today · 4.125%
HK$59,250
baseline
▲ 0.50% · 4.625%
HK$62,855
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,500/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,025
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,689
−HK$1,687/mo
Today · 4.125%
HK$65,376
baseline
▲ 0.50% · 4.625%
HK$68,823
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,752/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,683
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,913
−HK$2,266/mo
Today · 4.125%
HK$76,179
baseline
▲ 0.50% · 4.625%
HK$80,814
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,358/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,886
−HK$2,169/mo
Today · 4.125%
HK$84,055
baseline
▲ 0.50% · 4.625%
HK$88,486
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,110/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,928 · Scale 2, in force from 26 Feb 2026)