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$39,841
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,081
−HK$1,259/mo
Today · 4.125%
HK$42,340
baseline
▲ 0.50% · 4.625%
HK$44,916
+HK$2,576/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,680/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,323
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,512
−HK$1,206/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,180
+HK$2,462/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,810
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,297
−HK$1,511/mo
Today · 4.125%
HK$50,808
baseline
▲ 0.50% · 4.625%
HK$53,899
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,616/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,188
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,614
−HK$1,447/mo
Today · 4.125%
HK$56,061
baseline
▲ 0.50% · 4.625%
HK$59,016
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,122/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,778
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,513
−HK$1,763/mo
Today · 4.125%
HK$59,276
baseline
▲ 0.50% · 4.625%
HK$62,882
+HK$3,606/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,552/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,052
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,717
−HK$1,688/mo
Today · 4.125%
HK$65,405
baseline
▲ 0.50% · 4.625%
HK$68,852
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,810/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,715
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,945
−HK$2,267/mo
Today · 4.125%
HK$76,212
baseline
▲ 0.50% · 4.625%
HK$80,849
+HK$4,637/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,424/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,782
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,921
−HK$2,171/mo
Today · 4.125%
HK$84,092
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$4,433/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,184/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,213 · Scale 2, in force from 26 Feb 2026)