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$39,688
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,923
−HK$1,254/mo
Today · 4.125%
HK$42,177
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,354/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,153
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,337
−HK$1,201/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$48,991
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,626
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,505/mo
Today · 4.125%
HK$50,613
baseline
▲ 0.50% · 4.625%
HK$53,692
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,226/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,405
−HK$1,441/mo
Today · 4.125%
HK$55,846
baseline
▲ 0.50% · 4.625%
HK$58,790
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,692/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,564
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,292
−HK$1,756/mo
Today · 4.125%
HK$59,048
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,096/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,814
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,472
−HK$1,682/mo
Today · 4.125%
HK$65,154
baseline
▲ 0.50% · 4.625%
HK$68,588
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,308/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,439
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,661
−HK$2,258/mo
Today · 4.125%
HK$75,919
baseline
▲ 0.50% · 4.625%
HK$80,538
+HK$4,619/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,838/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,475
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,607
−HK$2,162/mo
Today · 4.125%
HK$83,769
baseline
▲ 0.50% · 4.625%
HK$88,185
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,538/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,697 · Scale 2, in force from 26 Feb 2026)