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$39,654
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,888
−HK$1,253/mo
Today · 4.125%
HK$42,141
baseline
▲ 0.50% · 4.625%
HK$44,705
+HK$2,564/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,282/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,115
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,298
−HK$1,200/mo
Today · 4.125%
HK$46,498
baseline
▲ 0.50% · 4.625%
HK$48,949
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$92,996/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,585
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,065
−HK$1,504/mo
Today · 4.125%
HK$50,569
baseline
▲ 0.50% · 4.625%
HK$53,646
+HK$3,077/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$101,138/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,938
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,358
−HK$1,440/mo
Today · 4.125%
HK$55,798
baseline
▲ 0.50% · 4.625%
HK$58,739
+HK$2,941/mo
Deposit HK$6.96M · loan HK$10.43M · min. income ≈ HK$111,596/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,516
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,243
−HK$1,754/mo
Today · 4.125%
HK$58,997
baseline
▲ 0.50% · 4.625%
HK$62,587
+HK$3,590/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$117,994/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,761
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,417
−HK$1,681/mo
Today · 4.125%
HK$65,098
baseline
▲ 0.50% · 4.625%
HK$68,529
+HK$3,431/mo
Deposit HK$5.22M · loan HK$12.17M · min. income ≈ HK$130,196/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,378
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$73,598
−HK$2,256/mo
Today · 4.125%
HK$75,854
baseline
▲ 0.50% · 4.625%
HK$80,469
+HK$4,615/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,708/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,407
−HK$4,290/mo
▼ 0.25% · 3.875%
HK$81,536
−HK$2,161/mo
Today · 4.125%
HK$83,697
baseline
▲ 0.50% · 4.625%
HK$88,109
+HK$4,412/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,394/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,134 · Scale 2, in force from 26 Feb 2026)