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$39,847
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,087
−HK$1,259/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,923
+HK$2,577/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,330
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,519
−HK$1,206/mo
Today · 4.125%
HK$46,725
baseline
▲ 0.50% · 4.625%
HK$49,188
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,450/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,817
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,511/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,907
+HK$3,092/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,196
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,622
−HK$1,448/mo
Today · 4.125%
HK$56,070
baseline
▲ 0.50% · 4.625%
HK$59,025
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,140/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,786
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,521
−HK$1,763/mo
Today · 4.125%
HK$59,284
baseline
▲ 0.50% · 4.625%
HK$62,892
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,568/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,062
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,689/mo
Today · 4.125%
HK$65,415
baseline
▲ 0.50% · 4.625%
HK$68,863
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,830/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,725
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,956
−HK$2,267/mo
Today · 4.125%
HK$76,223
baseline
▲ 0.50% · 4.625%
HK$80,861
+HK$4,638/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,446/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,793
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,933
−HK$2,171/mo
Today · 4.125%
HK$84,104
baseline
▲ 0.50% · 4.625%
HK$88,538
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,208/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,309 · Scale 2, in force from 26 Feb 2026)