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$39,793
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,031
−HK$1,257/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,573/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,269
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,457
−HK$1,204/mo
Today · 4.125%
HK$46,661
baseline
▲ 0.50% · 4.625%
HK$49,121
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,322/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,752
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,237
−HK$1,509/mo
Today · 4.125%
HK$50,746
baseline
▲ 0.50% · 4.625%
HK$53,834
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,492/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,123
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,548
−HK$1,445/mo
Today · 4.125%
HK$55,993
baseline
▲ 0.50% · 4.625%
HK$58,945
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,986/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,710
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,443
−HK$1,761/mo
Today · 4.125%
HK$59,204
baseline
▲ 0.50% · 4.625%
HK$62,806
+HK$3,602/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,408/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,977
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,639
−HK$1,686/mo
Today · 4.125%
HK$65,325
baseline
▲ 0.50% · 4.625%
HK$68,769
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,650/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,627
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,855
−HK$2,264/mo
Today · 4.125%
HK$76,119
baseline
▲ 0.50% · 4.625%
HK$80,751
+HK$4,632/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,238/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,685
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,822
−HK$2,168/mo
Today · 4.125%
HK$83,990
baseline
▲ 0.50% · 4.625%
HK$88,417
+HK$4,427/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$167,980/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,416 · Scale 2, in force from 26 Feb 2026)