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$39,862
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,260/mo
Today · 4.125%
HK$42,362
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,578/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,724/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,206/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,206
+HK$2,464/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,835
−HK$3,000/mo
▼ 0.25% · 3.875%
HK$49,323
−HK$1,512/mo
Today · 4.125%
HK$50,835
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$3,093/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,670/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,216
−HK$2,875/mo
▼ 0.25% · 3.875%
HK$54,643
−HK$1,448/mo
Today · 4.125%
HK$56,091
baseline
▲ 0.50% · 4.625%
HK$59,048
+HK$2,957/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,182/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,807
−HK$3,500/mo
▼ 0.25% · 3.875%
HK$57,543
−HK$1,764/mo
Today · 4.125%
HK$59,307
baseline
▲ 0.50% · 4.625%
HK$62,916
+HK$3,609/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$118,614/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,085
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$63,750
−HK$1,689/mo
Today · 4.125%
HK$65,439
baseline
▲ 0.50% · 4.625%
HK$68,889
+HK$3,450/mo
Deposit HK$5.24M · loan HK$12.24M · min. income ≈ HK$130,878/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,752
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$73,984
−HK$2,268/mo
Today · 4.125%
HK$76,252
baseline
▲ 0.50% · 4.625%
HK$80,892
+HK$4,640/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,504/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,824
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$81,965
−HK$2,171/mo
Today · 4.125%
HK$84,136
baseline
▲ 0.50% · 4.625%
HK$88,571
+HK$4,435/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,272/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,558 · Scale 2, in force from 26 Feb 2026)