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$39,825
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,064
−HK$1,259/mo
Today · 4.125%
HK$42,323
baseline
▲ 0.50% · 4.625%
HK$44,898
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,646/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,205/mo
Today · 4.125%
HK$46,699
baseline
▲ 0.50% · 4.625%
HK$49,161
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,398/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,790
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,277
−HK$1,510/mo
Today · 4.125%
HK$50,787
baseline
▲ 0.50% · 4.625%
HK$53,878
+HK$3,091/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,574/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,166
−HK$2,873/mo
▼ 0.25% · 3.875%
HK$54,592
−HK$1,447/mo
Today · 4.125%
HK$56,039
baseline
▲ 0.50% · 4.625%
HK$58,993
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,078/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,755
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$57,490
−HK$1,762/mo
Today · 4.125%
HK$59,252
baseline
▲ 0.50% · 4.625%
HK$62,857
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,504/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,027
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$63,691
−HK$1,688/mo
Today · 4.125%
HK$65,379
baseline
▲ 0.50% · 4.625%
HK$68,825
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,758/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,686
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,915
−HK$2,266/mo
Today · 4.125%
HK$76,181
baseline
▲ 0.50% · 4.625%
HK$80,816
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,362/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,750
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,888
−HK$2,170/mo
Today · 4.125%
HK$84,058
baseline
▲ 0.50% · 4.625%
HK$88,489
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,116/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,949 · Scale 2, in force from 26 Feb 2026)