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$39,691
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,926
−HK$1,254/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,156
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,340
−HK$1,201/mo
Today · 4.125%
HK$46,541
baseline
▲ 0.50% · 4.625%
HK$48,995
+HK$2,454/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,082/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,629
−HK$2,987/mo
▼ 0.25% · 3.875%
HK$49,111
−HK$1,505/mo
Today · 4.125%
HK$50,616
baseline
▲ 0.50% · 4.625%
HK$53,696
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,232/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,987
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$54,408
−HK$1,442/mo
Today · 4.125%
HK$55,850
baseline
▲ 0.50% · 4.625%
HK$58,794
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,700/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,567
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,296
−HK$1,756/mo
Today · 4.125%
HK$59,052
baseline
▲ 0.50% · 4.625%
HK$62,645
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,104/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,818
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,476
−HK$1,682/mo
Today · 4.125%
HK$65,158
baseline
▲ 0.50% · 4.625%
HK$68,592
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,316/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,444
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,666
−HK$2,258/mo
Today · 4.125%
HK$75,924
baseline
▲ 0.50% · 4.625%
HK$80,544
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,848/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,480
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,612
−HK$2,162/mo
Today · 4.125%
HK$83,774
baseline
▲ 0.50% · 4.625%
HK$88,190
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,548/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,739 · Scale 2, in force from 26 Feb 2026)