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$39,690
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,925
−HK$1,254/mo
Today · 4.125%
HK$42,179
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,358/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,339
−HK$1,201/mo
Today · 4.125%
HK$46,540
baseline
▲ 0.50% · 4.625%
HK$48,994
+HK$2,454/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,080/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,628
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,110
−HK$1,505/mo
Today · 4.125%
HK$50,615
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,230/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,986
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,407
−HK$1,442/mo
Today · 4.125%
HK$55,849
baseline
▲ 0.50% · 4.625%
HK$58,792
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,698/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,566
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,295
−HK$1,756/mo
Today · 4.125%
HK$59,051
baseline
▲ 0.50% · 4.625%
HK$62,644
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,102/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,817
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,475
−HK$1,682/mo
Today · 4.125%
HK$65,157
baseline
▲ 0.50% · 4.625%
HK$68,591
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,314/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,442
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,665
−HK$2,257/mo
Today · 4.125%
HK$75,922
baseline
▲ 0.50% · 4.625%
HK$80,542
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,844/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,479
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,610
−HK$2,163/mo
Today · 4.125%
HK$83,773
baseline
▲ 0.50% · 4.625%
HK$88,189
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,546/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,725 · Scale 2, in force from 26 Feb 2026)