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$39,871
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,111
−HK$1,260/mo
Today · 4.125%
HK$42,371
baseline
▲ 0.50% · 4.625%
HK$44,949
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,742/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,356
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,207/mo
Today · 4.125%
HK$46,752
baseline
▲ 0.50% · 4.625%
HK$49,217
+HK$2,465/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,504/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,845
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,333
−HK$1,512/mo
Today · 4.125%
HK$50,845
baseline
▲ 0.50% · 4.625%
HK$53,939
+HK$3,094/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,690/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,227
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,654
−HK$1,449/mo
Today · 4.125%
HK$56,103
baseline
▲ 0.50% · 4.625%
HK$59,060
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,206/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,819
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,555
−HK$1,764/mo
Today · 4.125%
HK$59,319
baseline
▲ 0.50% · 4.625%
HK$62,929
+HK$3,610/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,638/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,098
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,763
−HK$1,690/mo
Today · 4.125%
HK$65,453
baseline
▲ 0.50% · 4.625%
HK$68,903
+HK$3,450/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,906/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,767
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$74,000
−HK$2,268/mo
Today · 4.125%
HK$76,268
baseline
▲ 0.50% · 4.625%
HK$80,908
+HK$4,640/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,536/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,840
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,982
−HK$2,172/mo
Today · 4.125%
HK$84,154
baseline
▲ 0.50% · 4.625%
HK$88,590
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,308/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,695 · Scale 2, in force from 26 Feb 2026)