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$39,832
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,071
−HK$1,259/mo
Today · 4.125%
HK$42,330
baseline
▲ 0.50% · 4.625%
HK$44,905
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,660/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,313
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,501
−HK$1,206/mo
Today · 4.125%
HK$46,707
baseline
▲ 0.50% · 4.625%
HK$49,169
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,414/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,798
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,285
−HK$1,511/mo
Today · 4.125%
HK$50,796
baseline
▲ 0.50% · 4.625%
HK$53,886
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,592/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,175
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,601
−HK$1,447/mo
Today · 4.125%
HK$56,048
baseline
▲ 0.50% · 4.625%
HK$59,002
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,096/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,765
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,499
−HK$1,763/mo
Today · 4.125%
HK$59,262
baseline
▲ 0.50% · 4.625%
HK$62,867
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,524/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,038
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,701
−HK$1,688/mo
Today · 4.125%
HK$65,389
baseline
▲ 0.50% · 4.625%
HK$68,836
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,778/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,697
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,928
−HK$2,265/mo
Today · 4.125%
HK$76,193
baseline
▲ 0.50% · 4.625%
HK$80,830
+HK$4,637/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,386/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,763
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,902
−HK$2,170/mo
Today · 4.125%
HK$84,072
baseline
▲ 0.50% · 4.625%
HK$88,503
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,144/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,056 · Scale 2, in force from 26 Feb 2026)