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$39,950
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,192
−HK$1,263/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$45,038
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,209/mo
Today · 4.125%
HK$46,845
baseline
▲ 0.50% · 4.625%
HK$49,314
+HK$2,469/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,690/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,431
−HK$1,515/mo
Today · 4.125%
HK$50,946
baseline
▲ 0.50% · 4.625%
HK$54,046
+HK$3,100/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,892/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,332
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,451/mo
Today · 4.125%
HK$56,214
baseline
▲ 0.50% · 4.625%
HK$59,177
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,428/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,930
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,669
−HK$1,768/mo
Today · 4.125%
HK$59,437
baseline
▲ 0.50% · 4.625%
HK$63,054
+HK$3,617/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$118,874/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,221
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,693/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,040
+HK$3,457/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,910
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,146
−HK$2,273/mo
Today · 4.125%
HK$76,419
baseline
▲ 0.50% · 4.625%
HK$81,069
+HK$4,650/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,838/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,999
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,144
−HK$2,177/mo
Today · 4.125%
HK$84,321
baseline
▲ 0.50% · 4.625%
HK$88,765
+HK$4,444/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,642/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,995 · Scale 2, in force from 26 Feb 2026)