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$39,777
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,014
−HK$1,258/mo
Today · 4.125%
HK$42,272
baseline
▲ 0.50% · 4.625%
HK$44,844
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,544/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,252
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,439
−HK$1,204/mo
Today · 4.125%
HK$46,643
baseline
▲ 0.50% · 4.625%
HK$49,101
+HK$2,458/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,286/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,733
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$49,217
−HK$1,509/mo
Today · 4.125%
HK$50,726
baseline
▲ 0.50% · 4.625%
HK$53,812
+HK$3,086/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,452/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,102
−HK$2,869/mo
▼ 0.25% · 3.875%
HK$54,526
−HK$1,445/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$58,921
+HK$2,950/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,688
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,420
−HK$1,760/mo
Today · 4.125%
HK$59,180
baseline
▲ 0.50% · 4.625%
HK$62,781
+HK$3,601/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,360/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,952
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,614
−HK$1,686/mo
Today · 4.125%
HK$65,300
baseline
▲ 0.50% · 4.625%
HK$68,742
+HK$3,442/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,600/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,599
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$73,826
−HK$2,263/mo
Today · 4.125%
HK$76,089
baseline
▲ 0.50% · 4.625%
HK$80,719
+HK$4,630/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,178/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,653
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,789
−HK$2,168/mo
Today · 4.125%
HK$83,957
baseline
▲ 0.50% · 4.625%
HK$88,382
+HK$4,425/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,914/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,157 · Scale 2, in force from 26 Feb 2026)