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$39,796
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,257/mo
Today · 4.125%
HK$42,291
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,582/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,272
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,460
−HK$1,204/mo
Today · 4.125%
HK$46,664
baseline
▲ 0.50% · 4.625%
HK$49,124
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,328/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,755
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,240
−HK$1,510/mo
Today · 4.125%
HK$50,750
baseline
▲ 0.50% · 4.625%
HK$53,838
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,500/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,127
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,552
−HK$1,445/mo
Today · 4.125%
HK$55,997
baseline
▲ 0.50% · 4.625%
HK$58,949
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,994/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,714
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,447
−HK$1,761/mo
Today · 4.125%
HK$59,208
baseline
▲ 0.50% · 4.625%
HK$62,811
+HK$3,603/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,416/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,981
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,644
−HK$1,686/mo
Today · 4.125%
HK$65,330
baseline
▲ 0.50% · 4.625%
HK$68,774
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,660/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,632
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,861
−HK$2,263/mo
Today · 4.125%
HK$76,124
baseline
▲ 0.50% · 4.625%
HK$80,756
+HK$4,632/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,248/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,690
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,828
−HK$2,168/mo
Today · 4.125%
HK$83,996
baseline
▲ 0.50% · 4.625%
HK$88,423
+HK$4,427/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$167,992/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,463 · Scale 2, in force from 26 Feb 2026)