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$39,990
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,264/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$45,083
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,488
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,211/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,363
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,784/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,988
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,480
−HK$1,517/mo
Today · 4.125%
HK$50,997
baseline
▲ 0.50% · 4.625%
HK$54,100
+HK$3,103/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,994/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,386
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,817
−HK$1,453/mo
Today · 4.125%
HK$56,270
baseline
▲ 0.50% · 4.625%
HK$59,236
+HK$2,966/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,540/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,985
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,727
−HK$1,769/mo
Today · 4.125%
HK$59,496
baseline
▲ 0.50% · 4.625%
HK$63,116
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$118,992/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,283
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,954
−HK$1,694/mo
Today · 4.125%
HK$65,648
baseline
▲ 0.50% · 4.625%
HK$69,109
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,296/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,981
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,220
−HK$2,275/mo
Today · 4.125%
HK$76,495
baseline
▲ 0.50% · 4.625%
HK$81,150
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,990/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,078
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,226
−HK$2,179/mo
Today · 4.125%
HK$84,405
baseline
▲ 0.50% · 4.625%
HK$88,854
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,810/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,650 · Scale 2, in force from 26 Feb 2026)