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$40,000
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,244
−HK$1,264/mo
Today · 4.125%
HK$42,508
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,016/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,499
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,210/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,999
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,493
−HK$1,516/mo
Today · 4.125%
HK$51,009
baseline
▲ 0.50% · 4.625%
HK$54,113
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,018/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,399
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,831
−HK$1,453/mo
Today · 4.125%
HK$56,284
baseline
▲ 0.50% · 4.625%
HK$59,251
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,568/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,999
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,741
−HK$1,770/mo
Today · 4.125%
HK$59,511
baseline
▲ 0.50% · 4.625%
HK$63,132
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,022/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,299
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,970
−HK$1,695/mo
Today · 4.125%
HK$65,665
baseline
▲ 0.50% · 4.625%
HK$69,126
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,330/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,999
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,239
−HK$2,275/mo
Today · 4.125%
HK$76,514
baseline
▲ 0.50% · 4.625%
HK$81,170
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,028/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,098
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,247
−HK$2,179/mo
Today · 4.125%
HK$84,426
baseline
▲ 0.50% · 4.625%
HK$88,876
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,852/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,814 · Scale 2, in force from 26 Feb 2026)