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$39,828
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,067
−HK$1,258/mo
Today · 4.125%
HK$42,325
baseline
▲ 0.50% · 4.625%
HK$44,901
+HK$2,576/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,650/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,308
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,496
−HK$1,206/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,163
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,793
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,280
−HK$1,510/mo
Today · 4.125%
HK$50,790
baseline
▲ 0.50% · 4.625%
HK$53,881
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,580/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,169
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,595
−HK$1,447/mo
Today · 4.125%
HK$56,042
baseline
▲ 0.50% · 4.625%
HK$58,996
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,084/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,759
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,493
−HK$1,762/mo
Today · 4.125%
HK$59,255
baseline
▲ 0.50% · 4.625%
HK$62,861
+HK$3,606/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,510/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,031
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,695
−HK$1,687/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$68,829
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,690
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,920
−HK$2,265/mo
Today · 4.125%
HK$76,185
baseline
▲ 0.50% · 4.625%
HK$80,821
+HK$4,636/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,370/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,754
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,893
−HK$2,170/mo
Today · 4.125%
HK$84,063
baseline
▲ 0.50% · 4.625%
HK$88,494
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,126/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,987 · Scale 2, in force from 26 Feb 2026)