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$39,796
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,258/mo
Today · 4.125%
HK$42,292
baseline
▲ 0.50% · 4.625%
HK$44,865
+HK$2,573/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,584/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,273
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,461
−HK$1,204/mo
Today · 4.125%
HK$46,665
baseline
▲ 0.50% · 4.625%
HK$49,125
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,330/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,756
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,241
−HK$1,509/mo
Today · 4.125%
HK$50,750
baseline
▲ 0.50% · 4.625%
HK$53,838
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,500/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,128
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,553
−HK$1,445/mo
Today · 4.125%
HK$55,998
baseline
▲ 0.50% · 4.625%
HK$58,950
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,996/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,715
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,448
−HK$1,761/mo
Today · 4.125%
HK$59,209
baseline
▲ 0.50% · 4.625%
HK$62,812
+HK$3,603/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,418/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,982
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,645
−HK$1,686/mo
Today · 4.125%
HK$65,331
baseline
▲ 0.50% · 4.625%
HK$68,775
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,662/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,634
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,862
−HK$2,264/mo
Today · 4.125%
HK$76,126
baseline
▲ 0.50% · 4.625%
HK$80,758
+HK$4,632/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,252/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,692
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,829
−HK$2,168/mo
Today · 4.125%
HK$83,997
baseline
▲ 0.50% · 4.625%
HK$88,425
+HK$4,428/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$167,994/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,474 · Scale 2, in force from 26 Feb 2026)