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$39,970
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,264/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,210/mo
Today · 4.125%
HK$46,869
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,738/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,964
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,456
−HK$1,516/mo
Today · 4.125%
HK$50,972
baseline
▲ 0.50% · 4.625%
HK$54,073
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,944/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,360
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,791
−HK$1,452/mo
Today · 4.125%
HK$56,243
baseline
▲ 0.50% · 4.625%
HK$59,207
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,486/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,958
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,699
−HK$1,768/mo
Today · 4.125%
HK$59,467
baseline
▲ 0.50% · 4.625%
HK$63,086
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,934/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,253
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,923
−HK$1,693/mo
Today · 4.125%
HK$65,616
baseline
▲ 0.50% · 4.625%
HK$69,075
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,232/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,946
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,184
−HK$2,274/mo
Today · 4.125%
HK$76,458
baseline
▲ 0.50% · 4.625%
HK$81,110
+HK$4,652/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,916/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,040
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,186
−HK$2,178/mo
Today · 4.125%
HK$84,364
baseline
▲ 0.50% · 4.625%
HK$88,811
+HK$4,447/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,728/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,331 · Scale 2, in force from 26 Feb 2026)