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$44,727
+HK$2,565/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$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,137
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,321
−HK$1,200/mo
Today · 4.125%
HK$46,521
baseline
▲ 0.50% · 4.625%
HK$48,974
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,042/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,609
−HK$2,985/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,504/mo
Today · 4.125%
HK$50,594
baseline
▲ 0.50% · 4.625%
HK$53,673
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,188/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,964
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,385
−HK$1,441/mo
Today · 4.125%
HK$55,826
baseline
▲ 0.50% · 4.625%
HK$58,768
+HK$2,942/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$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,544
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,271
−HK$1,756/mo
Today · 4.125%
HK$59,027
baseline
▲ 0.50% · 4.625%
HK$62,618
+HK$3,591/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$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,792
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,449
−HK$1,681/mo
Today · 4.125%
HK$65,130
baseline
▲ 0.50% · 4.625%
HK$68,563
+HK$3,433/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,260/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,413
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$73,635
−HK$2,256/mo
Today · 4.125%
HK$75,891
baseline
▲ 0.50% · 4.625%
HK$80,509
+HK$4,618/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,782/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,446
−HK$4,293/mo
▼ 0.25% · 3.875%
HK$81,577
−HK$2,162/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$652,460 · Scale 2, in force from 26 Feb 2026)