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$39,679
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,914
−HK$1,254/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,143
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,327
−HK$1,201/mo
Today · 4.125%
HK$46,528
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,056/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,615
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,096
−HK$1,505/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,680
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,971
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,392
−HK$1,441/mo
Today · 4.125%
HK$55,833
baseline
▲ 0.50% · 4.625%
HK$58,776
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,666/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,551
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,279
−HK$1,756/mo
Today · 4.125%
HK$59,035
baseline
▲ 0.50% · 4.625%
HK$62,627
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,070/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,800
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,457
−HK$1,682/mo
Today · 4.125%
HK$65,139
baseline
▲ 0.50% · 4.625%
HK$68,572
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,278/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,423
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,644
−HK$2,258/mo
Today · 4.125%
HK$75,902
baseline
▲ 0.50% · 4.625%
HK$80,520
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,804/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,457
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,588
−HK$2,162/mo
Today · 4.125%
HK$83,750
baseline
▲ 0.50% · 4.625%
HK$88,164
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,500/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,547 · Scale 2, in force from 26 Feb 2026)