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$39,782
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,257/mo
Today · 4.125%
HK$42,277
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,554/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,444
−HK$1,205/mo
Today · 4.125%
HK$46,649
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,298/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,739
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,224
−HK$1,508/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,819
+HK$3,087/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,109
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,533
−HK$1,445/mo
Today · 4.125%
HK$55,978
baseline
▲ 0.50% · 4.625%
HK$58,929
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,956/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,695
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,428
−HK$1,760/mo
Today · 4.125%
HK$59,188
baseline
▲ 0.50% · 4.625%
HK$62,789
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,376/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,960
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,622
−HK$1,686/mo
Today · 4.125%
HK$65,308
baseline
▲ 0.50% · 4.625%
HK$68,750
+HK$3,442/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,616/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,608
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,836
−HK$2,263/mo
Today · 4.125%
HK$76,099
baseline
▲ 0.50% · 4.625%
HK$80,729
+HK$4,630/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,198/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,663
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,800
−HK$2,167/mo
Today · 4.125%
HK$83,967
baseline
▲ 0.50% · 4.625%
HK$88,393
+HK$4,426/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,934/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,242 · Scale 2, in force from 26 Feb 2026)