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$39,661
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,894
−HK$1,254/mo
Today · 4.125%
HK$42,148
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,564/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,296/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,306
−HK$1,200/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$48,957
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,593
−HK$2,984/mo
▼ 0.25% · 3.875%
HK$49,073
−HK$1,504/mo
Today · 4.125%
HK$50,577
baseline
▲ 0.50% · 4.625%
HK$53,655
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,154/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,947
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,367
−HK$1,440/mo
Today · 4.125%
HK$55,807
baseline
▲ 0.50% · 4.625%
HK$58,749
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,614/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,525
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,252
−HK$1,755/mo
Today · 4.125%
HK$59,007
baseline
▲ 0.50% · 4.625%
HK$62,597
+HK$3,590/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,014/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,771
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,428
−HK$1,680/mo
Today · 4.125%
HK$65,108
baseline
▲ 0.50% · 4.625%
HK$68,540
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,216/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,389
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,610
−HK$2,256/mo
Today · 4.125%
HK$75,866
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,616/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,732/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,420
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,550
−HK$2,161/mo
Today · 4.125%
HK$83,711
baseline
▲ 0.50% · 4.625%
HK$88,123
+HK$4,412/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,422/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,242 · Scale 2, in force from 26 Feb 2026)