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$39,674
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,908
−HK$1,254/mo
Today · 4.125%
HK$42,162
baseline
▲ 0.50% · 4.625%
HK$44,728
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,324/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,137
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,321
−HK$1,201/mo
Today · 4.125%
HK$46,522
baseline
▲ 0.50% · 4.625%
HK$48,974
+HK$2,452/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,044/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,609
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,505/mo
Today · 4.125%
HK$50,595
baseline
▲ 0.50% · 4.625%
HK$53,673
+HK$3,078/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,190/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,965
−HK$2,861/mo
▼ 0.25% · 3.875%
HK$54,385
−HK$1,441/mo
Today · 4.125%
HK$55,826
baseline
▲ 0.50% · 4.625%
HK$58,769
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,652/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,544
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,272
−HK$1,755/mo
Today · 4.125%
HK$59,027
baseline
▲ 0.50% · 4.625%
HK$62,619
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,054/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,792
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,449
−HK$1,682/mo
Today · 4.125%
HK$65,131
baseline
▲ 0.50% · 4.625%
HK$68,564
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,262/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,414
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,635
−HK$2,257/mo
Today · 4.125%
HK$75,892
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,784/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,447
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,578
−HK$2,161/mo
Today · 4.125%
HK$83,739
baseline
▲ 0.50% · 4.625%
HK$88,153
+HK$4,414/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,478/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,465 · Scale 2, in force from 26 Feb 2026)