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$39,673
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,907
−HK$1,254/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,726
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,319
−HK$1,201/mo
Today · 4.125%
HK$46,520
baseline
▲ 0.50% · 4.625%
HK$48,972
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,040/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,607
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,088
−HK$1,505/mo
Today · 4.125%
HK$50,593
baseline
▲ 0.50% · 4.625%
HK$53,671
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,186/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,963
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,383
−HK$1,441/mo
Today · 4.125%
HK$55,824
baseline
▲ 0.50% · 4.625%
HK$58,767
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,648/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,542
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,269
−HK$1,756/mo
Today · 4.125%
HK$59,025
baseline
▲ 0.50% · 4.625%
HK$62,616
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,050/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,790
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,447
−HK$1,681/mo
Today · 4.125%
HK$65,128
baseline
▲ 0.50% · 4.625%
HK$68,561
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,256/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,411
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,632
−HK$2,257/mo
Today · 4.125%
HK$75,889
baseline
▲ 0.50% · 4.625%
HK$80,507
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,778/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,444
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,575
−HK$2,161/mo
Today · 4.125%
HK$83,736
baseline
▲ 0.50% · 4.625%
HK$88,150
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,472/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,439 · Scale 2, in force from 26 Feb 2026)