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$39,852
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,092
−HK$1,260/mo
Today · 4.125%
HK$42,352
baseline
▲ 0.50% · 4.625%
HK$44,928
+HK$2,576/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,704/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,524
−HK$1,207/mo
Today · 4.125%
HK$46,731
baseline
▲ 0.50% · 4.625%
HK$49,194
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,462/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,823
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,310
−HK$1,512/mo
Today · 4.125%
HK$50,822
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$3,092/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,644/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,202
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,629
−HK$1,448/mo
Today · 4.125%
HK$56,077
baseline
▲ 0.50% · 4.625%
HK$59,033
+HK$2,956/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,154/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,793
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$57,529
−HK$1,763/mo
Today · 4.125%
HK$59,292
baseline
▲ 0.50% · 4.625%
HK$62,900
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,584/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,070
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,734
−HK$1,689/mo
Today · 4.125%
HK$65,423
baseline
▲ 0.50% · 4.625%
HK$68,872
+HK$3,449/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,846/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,734
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$73,966
−HK$2,267/mo
Today · 4.125%
HK$76,233
baseline
▲ 0.50% · 4.625%
HK$80,871
+HK$4,638/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,466/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,804
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,944
−HK$2,171/mo
Today · 4.125%
HK$84,115
baseline
▲ 0.50% · 4.625%
HK$88,549
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,230/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,394 · Scale 2, in force from 26 Feb 2026)