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$39,685
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,919
−HK$1,254/mo
Today · 4.125%
HK$42,173
baseline
▲ 0.50% · 4.625%
HK$44,739
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,346/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,149
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,333
−HK$1,201/mo
Today · 4.125%
HK$46,534
baseline
▲ 0.50% · 4.625%
HK$48,987
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,068/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,622
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,103
−HK$1,505/mo
Today · 4.125%
HK$50,608
baseline
▲ 0.50% · 4.625%
HK$53,687
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,216/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,978
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,399
−HK$1,442/mo
Today · 4.125%
HK$55,841
baseline
▲ 0.50% · 4.625%
HK$58,784
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,682/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,558
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,287
−HK$1,755/mo
Today · 4.125%
HK$59,042
baseline
▲ 0.50% · 4.625%
HK$62,635
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,084/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,808
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,682/mo
Today · 4.125%
HK$65,148
baseline
▲ 0.50% · 4.625%
HK$68,582
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,296/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,432
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,654
−HK$2,258/mo
Today · 4.125%
HK$75,912
baseline
▲ 0.50% · 4.625%
HK$80,531
+HK$4,619/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,824/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,468
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,599
−HK$2,162/mo
Today · 4.125%
HK$83,761
baseline
▲ 0.50% · 4.625%
HK$88,176
+HK$4,415/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,522/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,634 · Scale 2, in force from 26 Feb 2026)