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$39,664
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,898
−HK$1,253/mo
Today · 4.125%
HK$42,151
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,302/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,126
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,309
−HK$1,201/mo
Today · 4.125%
HK$46,510
baseline
▲ 0.50% · 4.625%
HK$48,961
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,020/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,597
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,077
−HK$1,504/mo
Today · 4.125%
HK$50,581
baseline
▲ 0.50% · 4.625%
HK$53,659
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,162/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,951
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,371
−HK$1,441/mo
Today · 4.125%
HK$55,812
baseline
▲ 0.50% · 4.625%
HK$58,754
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,624/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,530
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,257
−HK$1,755/mo
Today · 4.125%
HK$59,012
baseline
▲ 0.50% · 4.625%
HK$62,602
+HK$3,590/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,024/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,776
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,433
−HK$1,681/mo
Today · 4.125%
HK$65,114
baseline
▲ 0.50% · 4.625%
HK$68,546
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,228/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,395
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,616
−HK$2,256/mo
Today · 4.125%
HK$75,872
baseline
▲ 0.50% · 4.625%
HK$80,489
+HK$4,617/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,744/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,426
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,557
−HK$2,161/mo
Today · 4.125%
HK$83,718
baseline
▲ 0.50% · 4.625%
HK$88,130
+HK$4,412/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,436/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,295 · Scale 2, in force from 26 Feb 2026)