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$39,789
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,026
−HK$1,258/mo
Today · 4.125%
HK$42,284
baseline
▲ 0.50% · 4.625%
HK$44,856
+HK$2,572/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$84,568/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,264
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,451
−HK$1,205/mo
Today · 4.125%
HK$46,656
baseline
▲ 0.50% · 4.625%
HK$49,115
+HK$2,459/mo
Deposit HK$8.72M · loan HK$8.72M · min. income ≈ HK$93,312/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,746
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$49,231
−HK$1,509/mo
Today · 4.125%
HK$50,740
baseline
▲ 0.50% · 4.625%
HK$53,828
+HK$3,088/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$101,480/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,117
−HK$2,870/mo
▼ 0.25% · 3.875%
HK$54,542
−HK$1,445/mo
Today · 4.125%
HK$55,987
baseline
▲ 0.50% · 4.625%
HK$58,938
+HK$2,951/mo
Deposit HK$6.98M · loan HK$10.47M · min. income ≈ HK$111,974/mo (50% DSR)
Upfront cash ≈ HK$7.63M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,704
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$57,437
−HK$1,760/mo
Today · 4.125%
HK$59,197
baseline
▲ 0.50% · 4.625%
HK$62,799
+HK$3,602/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$118,394/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,970
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,632
−HK$1,686/mo
Today · 4.125%
HK$65,318
baseline
▲ 0.50% · 4.625%
HK$68,761
+HK$3,443/mo
Deposit HK$5.23M · loan HK$12.21M · min. income ≈ HK$130,636/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,619
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$73,847
−HK$2,264/mo
Today · 4.125%
HK$76,111
baseline
▲ 0.50% · 4.625%
HK$80,742
+HK$4,631/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$152,222/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,676
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$81,813
−HK$2,167/mo
Today · 4.125%
HK$83,980
baseline
▲ 0.50% · 4.625%
HK$88,407
+HK$4,427/mo
Deposit HK$1.74M · loan HK$15.70M · min. income ≈ HK$167,960/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$654,343 · Scale 2, in force from 26 Feb 2026)