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$39,794
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,031
−HK$1,258/mo
Today · 4.125%
HK$42,289
baseline
▲ 0.50% · 4.625%
HK$44,862
+HK$2,573/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,578/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,270
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,457
−HK$1,205/mo
Today · 4.125%
HK$46,662
baseline
▲ 0.50% · 4.625%
HK$49,121
+HK$2,459/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,324/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,752
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,238
−HK$1,509/mo
Today · 4.125%
HK$50,747
baseline
▲ 0.50% · 4.625%
HK$53,835
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,494/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,124
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,549
−HK$1,445/mo
Today · 4.125%
HK$55,994
baseline
▲ 0.50% · 4.625%
HK$58,946
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,988/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,711
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,444
−HK$1,761/mo
Today · 4.125%
HK$59,205
baseline
▲ 0.50% · 4.625%
HK$62,807
+HK$3,602/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,410/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,978
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$63,640
−HK$1,687/mo
Today · 4.125%
HK$65,327
baseline
▲ 0.50% · 4.625%
HK$68,770
+HK$3,443/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,654/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,629
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,857
−HK$2,263/mo
Today · 4.125%
HK$76,120
baseline
▲ 0.50% · 4.625%
HK$80,752
+HK$4,632/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,240/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,686
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$81,823
−HK$2,168/mo
Today · 4.125%
HK$83,991
baseline
▲ 0.50% · 4.625%
HK$88,419
+HK$4,428/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$167,982/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,428 · Scale 2, in force from 26 Feb 2026)