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$39,692
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,254/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,567/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,202/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,631
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,112
−HK$1,505/mo
Today · 4.125%
HK$50,617
baseline
▲ 0.50% · 4.625%
HK$53,697
+HK$3,080/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,234/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,989
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,441/mo
Today · 4.125%
HK$55,851
baseline
▲ 0.50% · 4.625%
HK$58,795
+HK$2,944/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,702/mo (50% DSR)
Upfront cash ≈ HK$7.62M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,569
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,297
−HK$1,757/mo
Today · 4.125%
HK$59,054
baseline
▲ 0.50% · 4.625%
HK$62,647
+HK$3,593/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,108/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,820
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,478
−HK$1,682/mo
Today · 4.125%
HK$65,160
baseline
▲ 0.50% · 4.625%
HK$68,595
+HK$3,435/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,320/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,446
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$73,668
−HK$2,258/mo
Today · 4.125%
HK$75,926
baseline
▲ 0.50% · 4.625%
HK$80,546
+HK$4,620/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$151,852/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,483
−HK$4,294/mo
▼ 0.25% · 3.875%
HK$81,614
−HK$2,163/mo
Today · 4.125%
HK$83,777
baseline
▲ 0.50% · 4.625%
HK$88,193
+HK$4,416/mo
Deposit HK$1.74M · loan HK$15.67M · min. income ≈ HK$167,554/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,758 · Scale 2, in force from 26 Feb 2026)