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$39,772
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,257/mo
Today · 4.125%
HK$42,266
baseline
▲ 0.50% · 4.625%
HK$44,838
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,532/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,246
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,432
−HK$1,204/mo
Today · 4.125%
HK$46,636
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,272/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,726
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,211
−HK$1,508/mo
Today · 4.125%
HK$50,719
baseline
▲ 0.50% · 4.625%
HK$53,805
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,438/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,095
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,519
−HK$1,445/mo
Today · 4.125%
HK$55,964
baseline
▲ 0.50% · 4.625%
HK$58,913
+HK$2,949/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,928/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,681
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,413
−HK$1,759/mo
Today · 4.125%
HK$59,172
baseline
▲ 0.50% · 4.625%
HK$62,773
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,344/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,944
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,605
−HK$1,686/mo
Today · 4.125%
HK$65,291
baseline
▲ 0.50% · 4.625%
HK$68,732
+HK$3,441/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,582/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,589
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,816
−HK$2,263/mo
Today · 4.125%
HK$76,079
baseline
▲ 0.50% · 4.625%
HK$80,708
+HK$4,629/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,158/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,643
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$81,778
−HK$2,167/mo
Today · 4.125%
HK$83,945
baseline
▲ 0.50% · 4.625%
HK$88,370
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,890/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,070 · Scale 2, in force from 26 Feb 2026)