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$39,996
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,240
−HK$1,264/mo
Today · 4.125%
HK$42,504
baseline
▲ 0.50% · 4.625%
HK$45,090
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,008/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,495
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,688
−HK$1,211/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,371
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,995
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,488
−HK$1,516/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$54,108
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,394
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,826
−HK$1,452/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,245
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,735
−HK$1,770/mo
Today · 4.125%
HK$59,505
baseline
▲ 0.50% · 4.625%
HK$63,126
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,010/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,293
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,695/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,119
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,992
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,231
−HK$2,276/mo
Today · 4.125%
HK$76,507
baseline
▲ 0.50% · 4.625%
HK$81,162
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,014/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,090
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,238
−HK$2,179/mo
Today · 4.125%
HK$84,417
baseline
▲ 0.50% · 4.625%
HK$88,867
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,834/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,748 · Scale 2, in force from 26 Feb 2026)