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$39,870
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,110
−HK$1,260/mo
Today · 4.125%
HK$42,370
baseline
▲ 0.50% · 4.625%
HK$44,949
+HK$2,579/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,740/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,207/mo
Today · 4.125%
HK$46,752
baseline
▲ 0.50% · 4.625%
HK$49,216
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,504/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,844
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,332
−HK$1,512/mo
Today · 4.125%
HK$50,844
baseline
▲ 0.50% · 4.625%
HK$53,938
+HK$3,094/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,688/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,226
−HK$2,876/mo
▼ 0.25% · 3.875%
HK$54,654
−HK$1,448/mo
Today · 4.125%
HK$56,102
baseline
▲ 0.50% · 4.625%
HK$59,059
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,204/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,818
−HK$3,501/mo
▼ 0.25% · 3.875%
HK$57,554
−HK$1,765/mo
Today · 4.125%
HK$59,319
baseline
▲ 0.50% · 4.625%
HK$62,928
+HK$3,609/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$118,638/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,097
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$63,763
−HK$1,689/mo
Today · 4.125%
HK$65,452
baseline
▲ 0.50% · 4.625%
HK$68,902
+HK$3,450/mo
Deposit HK$5.25M · loan HK$12.24M · min. income ≈ HK$130,904/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,766
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$73,999
−HK$2,268/mo
Today · 4.125%
HK$76,267
baseline
▲ 0.50% · 4.625%
HK$80,907
+HK$4,640/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$152,534/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,839
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$81,981
−HK$2,172/mo
Today · 4.125%
HK$84,153
baseline
▲ 0.50% · 4.625%
HK$88,589
+HK$4,436/mo
Deposit HK$1.75M · loan HK$15.74M · min. income ≈ HK$168,306/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,686 · Scale 2, in force from 26 Feb 2026)