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$39,992
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,236
−HK$1,264/mo
Today · 4.125%
HK$42,500
baseline
▲ 0.50% · 4.625%
HK$45,086
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,000/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,491
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,684
−HK$1,211/mo
Today · 4.125%
HK$46,895
baseline
▲ 0.50% · 4.625%
HK$49,367
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,790/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,991
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,516/mo
Today · 4.125%
HK$51,000
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,000/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,389
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,821
−HK$1,453/mo
Today · 4.125%
HK$56,274
baseline
▲ 0.50% · 4.625%
HK$59,240
+HK$2,966/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,548/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,989
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,731
−HK$1,769/mo
Today · 4.125%
HK$59,500
baseline
▲ 0.50% · 4.625%
HK$63,121
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,000/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,288
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,958
−HK$1,695/mo
Today · 4.125%
HK$65,653
baseline
▲ 0.50% · 4.625%
HK$69,113
+HK$3,460/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,306/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,986
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,225
−HK$2,275/mo
Today · 4.125%
HK$76,500
baseline
▲ 0.50% · 4.625%
HK$81,155
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$153,000/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,084
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,232
−HK$2,179/mo
Today · 4.125%
HK$84,411
baseline
▲ 0.50% · 4.625%
HK$88,860
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,822/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,696 · Scale 2, in force from 26 Feb 2026)