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$39,806
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,044
−HK$1,258/mo
Today · 4.125%
HK$42,302
baseline
▲ 0.50% · 4.625%
HK$44,876
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,604/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,284
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,472
−HK$1,205/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,137
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,768
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,253
−HK$1,510/mo
Today · 4.125%
HK$50,763
baseline
▲ 0.50% · 4.625%
HK$53,852
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,526/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,141
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,566
−HK$1,446/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$58,964
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,729
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,462
−HK$1,761/mo
Today · 4.125%
HK$59,223
baseline
▲ 0.50% · 4.625%
HK$62,827
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,446/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,998
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,660
−HK$1,687/mo
Today · 4.125%
HK$65,347
baseline
▲ 0.50% · 4.625%
HK$68,792
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,694/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,651
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,880
−HK$2,264/mo
Today · 4.125%
HK$76,144
baseline
▲ 0.50% · 4.625%
HK$80,778
+HK$4,634/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,288/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,711
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$81,849
−HK$2,169/mo
Today · 4.125%
HK$84,018
baseline
▲ 0.50% · 4.625%
HK$88,447
+HK$4,429/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,036/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,635 · Scale 2, in force from 26 Feb 2026)