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$39,790
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,257/mo
Today · 4.125%
HK$42,285
baseline
▲ 0.50% · 4.625%
HK$44,858
+HK$2,573/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,570/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,266
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,453
−HK$1,204/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,117
+HK$2,460/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,748
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,233
−HK$1,509/mo
Today · 4.125%
HK$50,742
baseline
▲ 0.50% · 4.625%
HK$53,830
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,484/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,119
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,544
−HK$1,445/mo
Today · 4.125%
HK$55,989
baseline
▲ 0.50% · 4.625%
HK$58,940
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,978/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,706
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,439
−HK$1,760/mo
Today · 4.125%
HK$59,199
baseline
▲ 0.50% · 4.625%
HK$62,801
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,398/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,972
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,634
−HK$1,686/mo
Today · 4.125%
HK$65,320
baseline
▲ 0.50% · 4.625%
HK$68,763
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,640/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,622
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$73,850
−HK$2,263/mo
Today · 4.125%
HK$76,113
baseline
▲ 0.50% · 4.625%
HK$80,744
+HK$4,631/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,226/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,679
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,815
−HK$2,168/mo
Today · 4.125%
HK$83,983
baseline
▲ 0.50% · 4.625%
HK$88,410
+HK$4,427/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,966/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,366 · Scale 2, in force from 26 Feb 2026)