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$39,773
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,010
−HK$1,257/mo
Today · 4.125%
HK$42,267
baseline
▲ 0.50% · 4.625%
HK$44,839
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,534/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,247
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,433
−HK$1,204/mo
Today · 4.125%
HK$46,637
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,274/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,727
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,212
−HK$1,508/mo
Today · 4.125%
HK$50,720
baseline
▲ 0.50% · 4.625%
HK$53,806
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,440/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,096
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,520
−HK$1,445/mo
Today · 4.125%
HK$55,965
baseline
▲ 0.50% · 4.625%
HK$58,915
+HK$2,950/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,930/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,682
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$57,414
−HK$1,759/mo
Today · 4.125%
HK$59,173
baseline
▲ 0.50% · 4.625%
HK$62,774
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,346/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,945
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$63,607
−HK$1,685/mo
Today · 4.125%
HK$65,292
baseline
▲ 0.50% · 4.625%
HK$68,734
+HK$3,442/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,584/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,591
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$73,818
−HK$2,262/mo
Today · 4.125%
HK$76,080
baseline
▲ 0.50% · 4.625%
HK$80,709
+HK$4,629/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,160/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,644
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$81,780
−HK$2,167/mo
Today · 4.125%
HK$83,947
baseline
▲ 0.50% · 4.625%
HK$88,372
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,894/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,082 · Scale 2, in force from 26 Feb 2026)