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$39,792
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,030
−HK$1,258/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,861
+HK$2,573/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,269
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,204/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,120
+HK$2,460/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,751
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,236
−HK$1,509/mo
Today · 4.125%
HK$50,745
baseline
▲ 0.50% · 4.625%
HK$53,833
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,490/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,122
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,547
−HK$1,445/mo
Today · 4.125%
HK$55,992
baseline
▲ 0.50% · 4.625%
HK$58,944
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,984/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,709
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,442
−HK$1,761/mo
Today · 4.125%
HK$59,203
baseline
▲ 0.50% · 4.625%
HK$62,805
+HK$3,602/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,406/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,976
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,638
−HK$1,686/mo
Today · 4.125%
HK$65,324
baseline
▲ 0.50% · 4.625%
HK$68,768
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,648/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,626
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,854
−HK$2,264/mo
Today · 4.125%
HK$76,118
baseline
▲ 0.50% · 4.625%
HK$80,749
+HK$4,631/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,236/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,683
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,820
−HK$2,168/mo
Today · 4.125%
HK$83,988
baseline
▲ 0.50% · 4.625%
HK$88,416
+HK$4,428/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$167,976/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,406 · Scale 2, in force from 26 Feb 2026)