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$39,866
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,106
−HK$1,260/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,944
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,351
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,540
−HK$1,207/mo
Today · 4.125%
HK$46,747
baseline
▲ 0.50% · 4.625%
HK$49,211
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,494/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,839
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,327
−HK$1,512/mo
Today · 4.125%
HK$50,839
baseline
▲ 0.50% · 4.625%
HK$53,933
+HK$3,094/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,678/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,221
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,648
−HK$1,448/mo
Today · 4.125%
HK$56,096
baseline
▲ 0.50% · 4.625%
HK$59,053
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,192/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,812
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,548
−HK$1,764/mo
Today · 4.125%
HK$59,312
baseline
▲ 0.50% · 4.625%
HK$62,921
+HK$3,609/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$118,624/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,091
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,756
−HK$1,689/mo
Today · 4.125%
HK$65,445
baseline
▲ 0.50% · 4.625%
HK$68,895
+HK$3,450/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$130,890/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,759
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,991
−HK$2,268/mo
Today · 4.125%
HK$76,259
baseline
▲ 0.50% · 4.625%
HK$80,899
+HK$4,640/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,518/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,831
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$81,972
−HK$2,172/mo
Today · 4.125%
HK$84,144
baseline
▲ 0.50% · 4.625%
HK$88,579
+HK$4,435/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,288/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,617 · Scale 2, in force from 26 Feb 2026)