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$2,505/mo
▼ 0.25% · 3.875%
HK$41,202
−HK$1,263/mo
Today · 4.125%
HK$42,465
baseline
▲ 0.50% · 4.625%
HK$45,049
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,930/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,455
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,209/mo
Today · 4.125%
HK$46,856
baseline
▲ 0.50% · 4.625%
HK$49,326
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,712/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,951
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,443
−HK$1,515/mo
Today · 4.125%
HK$50,958
baseline
▲ 0.50% · 4.625%
HK$54,059
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,916/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,345
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,776
−HK$1,452/mo
Today · 4.125%
HK$56,228
baseline
▲ 0.50% · 4.625%
HK$59,191
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,456/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,943
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,683
−HK$1,768/mo
Today · 4.125%
HK$59,451
baseline
▲ 0.50% · 4.625%
HK$63,069
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,902/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,236
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,906
−HK$1,693/mo
Today · 4.125%
HK$65,599
baseline
▲ 0.50% · 4.625%
HK$69,057
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,198/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,927
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,164
−HK$2,274/mo
Today · 4.125%
HK$76,438
baseline
▲ 0.50% · 4.625%
HK$81,089
+HK$4,651/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,876/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,018
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,164
−HK$2,177/mo
Today · 4.125%
HK$84,341
baseline
▲ 0.50% · 4.625%
HK$88,787
+HK$4,446/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,682/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,156 · Scale 2, in force from 26 Feb 2026)