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$39,819
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,258/mo
Today · 4.125%
HK$42,316
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,632/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,299
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,205/mo
Today · 4.125%
HK$46,692
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,384/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,783
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,269
−HK$1,511/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,869
+HK$3,089/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,158
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,584
−HK$1,446/mo
Today · 4.125%
HK$56,030
baseline
▲ 0.50% · 4.625%
HK$58,984
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,060/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,747
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,481
−HK$1,762/mo
Today · 4.125%
HK$59,243
baseline
▲ 0.50% · 4.625%
HK$62,848
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,486/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,018
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,681
−HK$1,688/mo
Today · 4.125%
HK$65,369
baseline
▲ 0.50% · 4.625%
HK$68,814
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,738/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,675
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,904
−HK$2,265/mo
Today · 4.125%
HK$76,169
baseline
▲ 0.50% · 4.625%
HK$80,804
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,338/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,737
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,876
−HK$2,169/mo
Today · 4.125%
HK$84,045
baseline
▲ 0.50% · 4.625%
HK$88,476
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,090/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,849 · Scale 2, in force from 26 Feb 2026)