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$39,991
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,235
−HK$1,264/mo
Today · 4.125%
HK$42,499
baseline
▲ 0.50% · 4.625%
HK$45,085
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,998/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,490
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,211/mo
Today · 4.125%
HK$46,894
baseline
▲ 0.50% · 4.625%
HK$49,366
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,788/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,990
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,517/mo
Today · 4.125%
HK$50,999
baseline
▲ 0.50% · 4.625%
HK$54,102
+HK$3,103/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$101,998/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,388
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,820
−HK$1,452/mo
Today · 4.125%
HK$56,272
baseline
▲ 0.50% · 4.625%
HK$59,239
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,544/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,988
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,730
−HK$1,769/mo
Today · 4.125%
HK$59,499
baseline
▲ 0.50% · 4.625%
HK$63,119
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$118,998/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,286
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,957
−HK$1,694/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,112
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,985
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,224
−HK$2,275/mo
Today · 4.125%
HK$76,499
baseline
▲ 0.50% · 4.625%
HK$81,153
+HK$4,654/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,998/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,082
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,230
−HK$2,179/mo
Today · 4.125%
HK$84,409
baseline
▲ 0.50% · 4.625%
HK$88,858
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,818/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,680 · Scale 2, in force from 26 Feb 2026)