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$39,976
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,264/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,473
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,666
−HK$1,210/mo
Today · 4.125%
HK$46,876
baseline
▲ 0.50% · 4.625%
HK$49,346
+HK$2,470/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,752/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,971
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,463
−HK$1,516/mo
Today · 4.125%
HK$50,979
baseline
▲ 0.50% · 4.625%
HK$54,081
+HK$3,102/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,958/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,367
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,799
−HK$1,452/mo
Today · 4.125%
HK$56,251
baseline
▲ 0.50% · 4.625%
HK$59,216
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,502/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,966
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,707
−HK$1,769/mo
Today · 4.125%
HK$59,476
baseline
▲ 0.50% · 4.625%
HK$63,095
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,952/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,262
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,932
−HK$1,694/mo
Today · 4.125%
HK$65,626
baseline
▲ 0.50% · 4.625%
HK$69,085
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,252/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,957
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,195
−HK$2,274/mo
Today · 4.125%
HK$76,469
baseline
▲ 0.50% · 4.625%
HK$81,122
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,938/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,051
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,198
−HK$2,178/mo
Today · 4.125%
HK$84,376
baseline
▲ 0.50% · 4.625%
HK$88,824
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,752/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,426 · Scale 2, in force from 26 Feb 2026)