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$39,670
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,904
−HK$1,253/mo
Today · 4.125%
HK$42,157
baseline
▲ 0.50% · 4.625%
HK$44,723
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,314/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,316
−HK$1,201/mo
Today · 4.125%
HK$46,517
baseline
▲ 0.50% · 4.625%
HK$48,969
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,034/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,604
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,085
−HK$1,504/mo
Today · 4.125%
HK$50,589
baseline
▲ 0.50% · 4.625%
HK$53,667
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,178/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,959
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,379
−HK$1,441/mo
Today · 4.125%
HK$55,820
baseline
▲ 0.50% · 4.625%
HK$58,762
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,640/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,538
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,265
−HK$1,755/mo
Today · 4.125%
HK$59,020
baseline
▲ 0.50% · 4.625%
HK$62,612
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,040/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,785
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,442
−HK$1,681/mo
Today · 4.125%
HK$65,123
baseline
▲ 0.50% · 4.625%
HK$68,556
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,246/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,406
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,627
−HK$2,256/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$80,501
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,438
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,569
−HK$2,161/mo
Today · 4.125%
HK$83,730
baseline
▲ 0.50% · 4.625%
HK$88,143
+HK$4,413/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,460/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,391 · Scale 2, in force from 26 Feb 2026)