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$39,786
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,024
−HK$1,257/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,854
+HK$2,573/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,262
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,449
−HK$1,204/mo
Today · 4.125%
HK$46,653
baseline
▲ 0.50% · 4.625%
HK$49,112
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,306/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,743
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,229
−HK$1,508/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,825
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,114
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,539
−HK$1,445/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$58,935
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,701
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,433
−HK$1,761/mo
Today · 4.125%
HK$59,194
baseline
▲ 0.50% · 4.625%
HK$62,795
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,388/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,966
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,628
−HK$1,686/mo
Today · 4.125%
HK$65,314
baseline
▲ 0.50% · 4.625%
HK$68,757
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,628/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,615
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,843
−HK$2,263/mo
Today · 4.125%
HK$76,106
baseline
▲ 0.50% · 4.625%
HK$80,737
+HK$4,631/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,212/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,671
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,808
−HK$2,168/mo
Today · 4.125%
HK$83,976
baseline
▲ 0.50% · 4.625%
HK$88,402
+HK$4,426/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,952/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,305 · Scale 2, in force from 26 Feb 2026)