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$39,673
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,907
−HK$1,254/mo
Today · 4.125%
HK$42,161
baseline
▲ 0.50% · 4.625%
HK$44,726
+HK$2,565/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,322/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,136
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,320
−HK$1,201/mo
Today · 4.125%
HK$46,521
baseline
▲ 0.50% · 4.625%
HK$48,973
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,042/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,608
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,089
−HK$1,504/mo
Today · 4.125%
HK$50,593
baseline
▲ 0.50% · 4.625%
HK$53,672
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,186/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,963
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,384
−HK$1,441/mo
Today · 4.125%
HK$55,825
baseline
▲ 0.50% · 4.625%
HK$58,767
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,650/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,542
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,270
−HK$1,755/mo
Today · 4.125%
HK$59,025
baseline
▲ 0.50% · 4.625%
HK$62,617
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,050/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,790
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,448
−HK$1,681/mo
Today · 4.125%
HK$65,129
baseline
▲ 0.50% · 4.625%
HK$68,562
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,258/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,412
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,633
−HK$2,257/mo
Today · 4.125%
HK$75,890
baseline
▲ 0.50% · 4.625%
HK$80,508
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,780/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,445
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,575
−HK$2,162/mo
Today · 4.125%
HK$83,737
baseline
▲ 0.50% · 4.625%
HK$88,151
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,474/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,446 · Scale 2, in force from 26 Feb 2026)