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$39,804
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,258/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,874
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,282
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,205/mo
Today · 4.125%
HK$46,674
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,348/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,765
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,251
−HK$1,509/mo
Today · 4.125%
HK$50,760
baseline
▲ 0.50% · 4.625%
HK$53,849
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,520/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,138
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,563
−HK$1,446/mo
Today · 4.125%
HK$56,009
baseline
▲ 0.50% · 4.625%
HK$58,961
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$112,018/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,726
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,459
−HK$1,761/mo
Today · 4.125%
HK$59,220
baseline
▲ 0.50% · 4.625%
HK$62,824
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,440/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,994
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,657
−HK$1,687/mo
Today · 4.125%
HK$65,344
baseline
▲ 0.50% · 4.625%
HK$68,788
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,688/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,648
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,876
−HK$2,264/mo
Today · 4.125%
HK$76,140
baseline
▲ 0.50% · 4.625%
HK$80,773
+HK$4,633/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,280/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,707
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,845
−HK$2,168/mo
Today · 4.125%
HK$84,013
baseline
▲ 0.50% · 4.625%
HK$88,442
+HK$4,429/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,026/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,601 · Scale 2, in force from 26 Feb 2026)