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$39,816
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,055
−HK$1,258/mo
Today · 4.125%
HK$42,313
baseline
▲ 0.50% · 4.625%
HK$44,888
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,626/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,295
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,483
−HK$1,205/mo
Today · 4.125%
HK$46,688
baseline
▲ 0.50% · 4.625%
HK$49,149
+HK$2,461/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,376/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,779
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,266
−HK$1,510/mo
Today · 4.125%
HK$50,776
baseline
▲ 0.50% · 4.625%
HK$53,865
+HK$3,089/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$101,552/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,154
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,580
−HK$1,446/mo
Today · 4.125%
HK$56,026
baseline
▲ 0.50% · 4.625%
HK$58,979
+HK$2,953/mo
Deposit HK$6.98M · loan HK$10.48M · min. income ≈ HK$112,052/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,743
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$57,477
−HK$1,761/mo
Today · 4.125%
HK$59,238
baseline
▲ 0.50% · 4.625%
HK$62,843
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,476/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,013
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,688/mo
Today · 4.125%
HK$65,364
baseline
▲ 0.50% · 4.625%
HK$68,809
+HK$3,445/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,728/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,669
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$73,899
−HK$2,264/mo
Today · 4.125%
HK$76,163
baseline
▲ 0.50% · 4.625%
HK$80,798
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,326/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,731
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,870
−HK$2,169/mo
Today · 4.125%
HK$84,039
baseline
▲ 0.50% · 4.625%
HK$88,469
+HK$4,430/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,078/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,799 · Scale 2, in force from 26 Feb 2026)