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$39,981
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,263/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$45,074
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,479
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,210/mo
Today · 4.125%
HK$46,882
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,764/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,978
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,470
−HK$1,516/mo
Today · 4.125%
HK$50,986
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$3,103/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,972/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,375
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,806
−HK$1,452/mo
Today · 4.125%
HK$56,258
baseline
▲ 0.50% · 4.625%
HK$59,224
+HK$2,966/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,516/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,974
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,715
−HK$1,769/mo
Today · 4.125%
HK$59,484
baseline
▲ 0.50% · 4.625%
HK$63,103
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,968/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,270
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,940
−HK$1,695/mo
Today · 4.125%
HK$65,635
baseline
▲ 0.50% · 4.625%
HK$69,094
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,270/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,966
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,205
−HK$2,274/mo
Today · 4.125%
HK$76,479
baseline
▲ 0.50% · 4.625%
HK$81,133
+HK$4,654/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,958/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,062
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,209
−HK$2,178/mo
Today · 4.125%
HK$84,387
baseline
▲ 0.50% · 4.625%
HK$88,836
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,774/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,514 · Scale 2, in force from 26 Feb 2026)