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$39,804
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,042
−HK$1,258/mo
Today · 4.125%
HK$42,300
baseline
▲ 0.50% · 4.625%
HK$44,873
+HK$2,573/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,600/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,281
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,204/mo
Today · 4.125%
HK$46,673
baseline
▲ 0.50% · 4.625%
HK$49,134
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,346/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,764
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$49,250
−HK$1,509/mo
Today · 4.125%
HK$50,759
baseline
▲ 0.50% · 4.625%
HK$53,848
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,518/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,137
−HK$2,871/mo
▼ 0.25% · 3.875%
HK$54,562
−HK$1,446/mo
Today · 4.125%
HK$56,008
baseline
▲ 0.50% · 4.625%
HK$58,960
+HK$2,952/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$112,016/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,725
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$57,458
−HK$1,761/mo
Today · 4.125%
HK$59,219
baseline
▲ 0.50% · 4.625%
HK$62,823
+HK$3,604/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,438/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,993
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$63,656
−HK$1,687/mo
Today · 4.125%
HK$65,343
baseline
▲ 0.50% · 4.625%
HK$68,787
+HK$3,444/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,686/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,646
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$73,875
−HK$2,264/mo
Today · 4.125%
HK$76,139
baseline
▲ 0.50% · 4.625%
HK$80,772
+HK$4,633/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$152,278/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,706
−HK$4,306/mo
▼ 0.25% · 3.875%
HK$81,843
−HK$2,169/mo
Today · 4.125%
HK$84,012
baseline
▲ 0.50% · 4.625%
HK$88,440
+HK$4,428/mo
Deposit HK$1.75M · loan HK$15.71M · min. income ≈ HK$168,024/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,590 · Scale 2, in force from 26 Feb 2026)