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$39,831
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,070
−HK$1,259/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,905
+HK$2,576/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,312
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,500
−HK$1,206/mo
Today · 4.125%
HK$46,706
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,412/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,797
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,284
−HK$1,511/mo
Today · 4.125%
HK$50,795
baseline
▲ 0.50% · 4.625%
HK$53,885
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,590/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,174
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,600
−HK$1,447/mo
Today · 4.125%
HK$56,047
baseline
▲ 0.50% · 4.625%
HK$59,001
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,094/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,764
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,498
−HK$1,763/mo
Today · 4.125%
HK$59,261
baseline
▲ 0.50% · 4.625%
HK$62,866
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,522/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,037
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,700
−HK$1,688/mo
Today · 4.125%
HK$65,388
baseline
▲ 0.50% · 4.625%
HK$68,835
+HK$3,447/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,776/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,696
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$73,926
−HK$2,266/mo
Today · 4.125%
HK$76,192
baseline
▲ 0.50% · 4.625%
HK$80,828
+HK$4,636/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,384/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,761
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$81,900
−HK$2,170/mo
Today · 4.125%
HK$84,070
baseline
▲ 0.50% · 4.625%
HK$88,502
+HK$4,432/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,140/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,045 · Scale 2, in force from 26 Feb 2026)