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$39,823
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,258/mo
Today · 4.125%
HK$42,320
baseline
▲ 0.50% · 4.625%
HK$44,895
+HK$2,575/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$84,640/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,205/mo
Today · 4.125%
HK$46,696
baseline
▲ 0.50% · 4.625%
HK$49,158
+HK$2,462/mo
Deposit HK$8.73M · loan HK$8.73M · min. income ≈ HK$93,392/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,787
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$49,274
−HK$1,510/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$3,090/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,163
−HK$2,872/mo
▼ 0.25% · 3.875%
HK$54,589
−HK$1,446/mo
Today · 4.125%
HK$56,035
baseline
▲ 0.50% · 4.625%
HK$58,989
+HK$2,954/mo
Deposit HK$6.99M · loan HK$10.48M · min. income ≈ HK$112,070/mo (50% DSR)
Upfront cash ≈ HK$7.64M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,752
−HK$3,496/mo
▼ 0.25% · 3.875%
HK$57,486
−HK$1,762/mo
Today · 4.125%
HK$59,248
baseline
▲ 0.50% · 4.625%
HK$62,853
+HK$3,605/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$118,496/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,024
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$63,687
−HK$1,688/mo
Today · 4.125%
HK$65,375
baseline
▲ 0.50% · 4.625%
HK$68,821
+HK$3,446/mo
Deposit HK$5.24M · loan HK$12.22M · min. income ≈ HK$130,750/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,681
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$73,911
−HK$2,265/mo
Today · 4.125%
HK$76,176
baseline
▲ 0.50% · 4.625%
HK$80,811
+HK$4,635/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$152,352/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,745
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$81,883
−HK$2,170/mo
Today · 4.125%
HK$84,053
baseline
▲ 0.50% · 4.625%
HK$88,484
+HK$4,431/mo
Deposit HK$1.75M · loan HK$15.72M · min. income ≈ HK$168,106/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,909 · Scale 2, in force from 26 Feb 2026)