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$39,662
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,895
−HK$1,254/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,713
+HK$2,564/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,123
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,307
−HK$1,200/mo
Today · 4.125%
HK$46,507
baseline
▲ 0.50% · 4.625%
HK$48,958
+HK$2,451/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,014/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,594
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,074
−HK$1,505/mo
Today · 4.125%
HK$50,579
baseline
▲ 0.50% · 4.625%
HK$53,656
+HK$3,077/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,158/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,948
−HK$2,860/mo
▼ 0.25% · 3.875%
HK$54,368
−HK$1,440/mo
Today · 4.125%
HK$55,808
baseline
▲ 0.50% · 4.625%
HK$58,750
+HK$2,942/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,616/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,526
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,254
−HK$1,754/mo
Today · 4.125%
HK$59,008
baseline
▲ 0.50% · 4.625%
HK$62,599
+HK$3,591/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,016/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,772
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,429
−HK$1,681/mo
Today · 4.125%
HK$65,110
baseline
▲ 0.50% · 4.625%
HK$68,542
+HK$3,432/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,220/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,391
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$73,612
−HK$2,256/mo
Today · 4.125%
HK$75,868
baseline
▲ 0.50% · 4.625%
HK$80,484
+HK$4,616/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$151,736/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,422
−HK$4,291/mo
▼ 0.25% · 3.875%
HK$81,552
−HK$2,161/mo
Today · 4.125%
HK$83,713
baseline
▲ 0.50% · 4.625%
HK$88,125
+HK$4,412/mo
Deposit HK$1.74M · loan HK$15.65M · min. income ≈ HK$167,426/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,257 · Scale 2, in force from 26 Feb 2026)