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$39,850
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,090
−HK$1,259/mo
Today · 4.125%
HK$42,349
baseline
▲ 0.50% · 4.625%
HK$44,926
+HK$2,577/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$84,698/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,333
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,522
−HK$1,206/mo
Today · 4.125%
HK$46,728
baseline
▲ 0.50% · 4.625%
HK$49,191
+HK$2,463/mo
Deposit HK$8.74M · loan HK$8.74M · min. income ≈ HK$93,456/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,820
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$49,307
−HK$1,512/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,911
+HK$3,092/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$101,638/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,199
−HK$2,874/mo
▼ 0.25% · 3.875%
HK$54,626
−HK$1,447/mo
Today · 4.125%
HK$56,073
baseline
▲ 0.50% · 4.625%
HK$59,029
+HK$2,956/mo
Deposit HK$6.99M · loan HK$10.49M · min. income ≈ HK$112,146/mo (50% DSR)
Upfront cash ≈ HK$7.65M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,790
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$57,525
−HK$1,763/mo
Today · 4.125%
HK$59,288
baseline
▲ 0.50% · 4.625%
HK$62,896
+HK$3,608/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$118,576/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,066
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$63,730
−HK$1,689/mo
Today · 4.125%
HK$65,419
baseline
▲ 0.50% · 4.625%
HK$68,867
+HK$3,448/mo
Deposit HK$5.24M · loan HK$12.23M · min. income ≈ HK$130,838/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,730
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$73,961
−HK$2,267/mo
Today · 4.125%
HK$76,228
baseline
▲ 0.50% · 4.625%
HK$80,866
+HK$4,638/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$152,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,799
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$81,939
−HK$2,171/mo
Today · 4.125%
HK$84,110
baseline
▲ 0.50% · 4.625%
HK$88,544
+HK$4,434/mo
Deposit HK$1.75M · loan HK$15.73M · min. income ≈ HK$168,220/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$655,354 · Scale 2, in force from 26 Feb 2026)