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$39,945
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,187
−HK$1,263/mo
Today · 4.125%
HK$42,450
baseline
▲ 0.50% · 4.625%
HK$45,033
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,900/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,438
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,630
−HK$1,209/mo
Today · 4.125%
HK$46,839
baseline
▲ 0.50% · 4.625%
HK$49,308
+HK$2,469/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,678/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,934
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,425
−HK$1,515/mo
Today · 4.125%
HK$50,940
baseline
▲ 0.50% · 4.625%
HK$54,039
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,880/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,326
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,756
−HK$1,451/mo
Today · 4.125%
HK$56,207
baseline
▲ 0.50% · 4.625%
HK$59,170
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,414/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,923
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,662
−HK$1,768/mo
Today · 4.125%
HK$59,430
baseline
▲ 0.50% · 4.625%
HK$63,046
+HK$3,616/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$118,860/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,214
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,882
−HK$1,693/mo
Today · 4.125%
HK$65,575
baseline
▲ 0.50% · 4.625%
HK$69,031
+HK$3,456/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$131,150/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,901
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,137
−HK$2,273/mo
Today · 4.125%
HK$76,410
baseline
▲ 0.50% · 4.625%
HK$81,059
+HK$4,649/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,820/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,989
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,134
−HK$2,176/mo
Today · 4.125%
HK$84,310
baseline
▲ 0.50% · 4.625%
HK$88,755
+HK$4,445/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,620/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,915 · Scale 2, in force from 26 Feb 2026)