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$39,799
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,037
−HK$1,257/mo
Today · 4.125%
HK$42,294
baseline
▲ 0.50% · 4.625%
HK$44,868
+HK$2,574/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,588/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,276
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,463
−HK$1,205/mo
Today · 4.125%
HK$46,668
baseline
▲ 0.50% · 4.625%
HK$49,128
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,336/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,758
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,244
−HK$1,509/mo
Today · 4.125%
HK$50,753
baseline
▲ 0.50% · 4.625%
HK$53,841
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,506/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,131
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,556
−HK$1,445/mo
Today · 4.125%
HK$56,001
baseline
▲ 0.50% · 4.625%
HK$58,953
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$112,002/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,718
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,451
−HK$1,761/mo
Today · 4.125%
HK$59,212
baseline
▲ 0.50% · 4.625%
HK$62,815
+HK$3,603/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,424/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,986
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,648
−HK$1,687/mo
Today · 4.125%
HK$65,335
baseline
▲ 0.50% · 4.625%
HK$68,779
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,670/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,637
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,866
−HK$2,264/mo
Today · 4.125%
HK$76,130
baseline
▲ 0.50% · 4.625%
HK$80,762
+HK$4,632/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,260/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,696
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,833
−HK$2,169/mo
Today · 4.125%
HK$84,002
baseline
▲ 0.50% · 4.625%
HK$88,430
+HK$4,428/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,004/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,509 · Scale 2, in force from 26 Feb 2026)