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$39,975
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,218
−HK$1,263/mo
Today · 4.125%
HK$42,481
baseline
▲ 0.50% · 4.625%
HK$45,066
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,962/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,471
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,664
−HK$1,210/mo
Today · 4.125%
HK$46,874
baseline
▲ 0.50% · 4.625%
HK$49,345
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,748/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,970
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,462
−HK$1,516/mo
Today · 4.125%
HK$50,978
baseline
▲ 0.50% · 4.625%
HK$54,080
+HK$3,102/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,956/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,366
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,797
−HK$1,452/mo
Today · 4.125%
HK$56,249
baseline
▲ 0.50% · 4.625%
HK$59,214
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,498/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,964
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,705
−HK$1,769/mo
Today · 4.125%
HK$59,474
baseline
▲ 0.50% · 4.625%
HK$63,093
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,948/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,260
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,694/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,083
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,954
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,192
−HK$2,274/mo
Today · 4.125%
HK$76,466
baseline
▲ 0.50% · 4.625%
HK$81,119
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,932/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,048
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,195
−HK$2,178/mo
Today · 4.125%
HK$84,373
baseline
▲ 0.50% · 4.625%
HK$88,821
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,746/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,404 · Scale 2, in force from 26 Feb 2026)