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$39,679
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,913
−HK$1,254/mo
Today · 4.125%
HK$42,167
baseline
▲ 0.50% · 4.625%
HK$44,733
+HK$2,566/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$84,334/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,143
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,201/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$48,980
+HK$2,453/mo
Deposit HK$8.70M · loan HK$8.70M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,615
−HK$2,986/mo
▼ 0.25% · 3.875%
HK$49,096
−HK$1,505/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,680
+HK$3,079/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,971
−HK$2,862/mo
▼ 0.25% · 3.875%
HK$54,392
−HK$1,441/mo
Today · 4.125%
HK$55,833
baseline
▲ 0.50% · 4.625%
HK$58,776
+HK$2,943/mo
Deposit HK$6.96M · loan HK$10.44M · min. income ≈ HK$111,666/mo (50% DSR)
Upfront cash ≈ HK$7.61M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,551
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,279
−HK$1,755/mo
Today · 4.125%
HK$59,034
baseline
▲ 0.50% · 4.625%
HK$62,626
+HK$3,592/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$118,068/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,800
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,457
−HK$1,681/mo
Today · 4.125%
HK$65,138
baseline
▲ 0.50% · 4.625%
HK$68,572
+HK$3,434/mo
Deposit HK$5.22M · loan HK$12.18M · min. income ≈ HK$130,276/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,422
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$73,644
−HK$2,257/mo
Today · 4.125%
HK$75,901
baseline
▲ 0.50% · 4.625%
HK$80,520
+HK$4,619/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$151,802/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,457
−HK$4,292/mo
▼ 0.25% · 3.875%
HK$81,588
−HK$2,161/mo
Today · 4.125%
HK$83,749
baseline
▲ 0.50% · 4.625%
HK$88,164
+HK$4,415/mo
Deposit HK$1.74M · loan HK$15.66M · min. income ≈ HK$167,498/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$652,543 · Scale 2, in force from 26 Feb 2026)