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$39,837
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,077
−HK$1,259/mo
Today · 4.125%
HK$42,336
baseline
▲ 0.50% · 4.625%
HK$44,912
+HK$2,576/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,672/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,319
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,507
−HK$1,206/mo
Today · 4.125%
HK$46,713
baseline
▲ 0.50% · 4.625%
HK$49,175
+HK$2,462/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,426/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,805
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$49,292
−HK$1,511/mo
Today · 4.125%
HK$50,803
baseline
▲ 0.50% · 4.625%
HK$53,894
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,606/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,183
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,609
−HK$1,447/mo
Today · 4.125%
HK$56,056
baseline
▲ 0.50% · 4.625%
HK$59,011
+HK$2,955/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,112/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,772
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,507
−HK$1,763/mo
Today · 4.125%
HK$59,270
baseline
▲ 0.50% · 4.625%
HK$62,876
+HK$3,606/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,540/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,046
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,710
−HK$1,688/mo
Today · 4.125%
HK$65,398
baseline
▲ 0.50% · 4.625%
HK$68,846
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,796/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,707
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$73,938
−HK$2,266/mo
Today · 4.125%
HK$76,204
baseline
▲ 0.50% · 4.625%
HK$80,841
+HK$4,637/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,408/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,774
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$81,913
−HK$2,171/mo
Today · 4.125%
HK$84,084
baseline
▲ 0.50% · 4.625%
HK$88,516
+HK$4,432/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,168/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,148 · Scale 2, in force from 26 Feb 2026)