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$39,960
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,203
−HK$1,263/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,455
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,648
−HK$1,209/mo
Today · 4.125%
HK$46,857
baseline
▲ 0.50% · 4.625%
HK$49,327
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,714/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,952
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,444
−HK$1,515/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$54,060
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,346
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,777
−HK$1,452/mo
Today · 4.125%
HK$56,229
baseline
▲ 0.50% · 4.625%
HK$59,193
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,458/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,944
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,685
−HK$1,768/mo
Today · 4.125%
HK$59,453
baseline
▲ 0.50% · 4.625%
HK$63,070
+HK$3,617/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,906/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,238
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,907
−HK$1,693/mo
Today · 4.125%
HK$65,600
baseline
▲ 0.50% · 4.625%
HK$69,058
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,200/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,928
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,166
−HK$2,273/mo
Today · 4.125%
HK$76,439
baseline
▲ 0.50% · 4.625%
HK$81,090
+HK$4,651/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,878/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,020
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,166
−HK$2,177/mo
Today · 4.125%
HK$84,343
baseline
▲ 0.50% · 4.625%
HK$88,789
+HK$4,446/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,686/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,168 · Scale 2, in force from 26 Feb 2026)