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$39,790
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,258/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,859
+HK$2,573/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,454
−HK$1,204/mo
Today · 4.125%
HK$46,658
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,316/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,748
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,234
−HK$1,509/mo
Today · 4.125%
HK$50,743
baseline
▲ 0.50% · 4.625%
HK$53,830
+HK$3,087/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,486/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,120
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,544
−HK$1,446/mo
Today · 4.125%
HK$55,990
baseline
▲ 0.50% · 4.625%
HK$58,941
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,980/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,707
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,761/mo
Today · 4.125%
HK$59,200
baseline
▲ 0.50% · 4.625%
HK$62,802
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,400/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,973
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,635
−HK$1,686/mo
Today · 4.125%
HK$65,321
baseline
▲ 0.50% · 4.625%
HK$68,764
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,642/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,623
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,851
−HK$2,263/mo
Today · 4.125%
HK$76,114
baseline
▲ 0.50% · 4.625%
HK$80,745
+HK$4,631/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,228/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,816
−HK$2,168/mo
Today · 4.125%
HK$83,984
baseline
▲ 0.50% · 4.625%
HK$88,411
+HK$4,427/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,968/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,374 · Scale 2, in force from 26 Feb 2026)