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$2,508/mo
▼ 0.25% · 3.875%
HK$41,234
−HK$1,264/mo
Today · 4.125%
HK$42,498
baseline
▲ 0.50% · 4.625%
HK$45,084
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,996/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,489
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,682
−HK$1,210/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,364
+HK$2,472/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$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,988
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,481
−HK$1,517/mo
Today · 4.125%
HK$50,998
baseline
▲ 0.50% · 4.625%
HK$54,101
+HK$3,103/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$101,996/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,386
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,818
−HK$1,453/mo
Today · 4.125%
HK$56,271
baseline
▲ 0.50% · 4.625%
HK$59,237
+HK$2,966/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,542/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,986
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,728
−HK$1,769/mo
Today · 4.125%
HK$59,497
baseline
▲ 0.50% · 4.625%
HK$63,117
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$118,994/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,284
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,955
−HK$1,694/mo
Today · 4.125%
HK$65,649
baseline
▲ 0.50% · 4.625%
HK$69,110
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,298/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,982
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,221
−HK$2,275/mo
Today · 4.125%
HK$76,496
baseline
▲ 0.50% · 4.625%
HK$81,151
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,992/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,080
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,227
−HK$2,179/mo
Today · 4.125%
HK$84,406
baseline
▲ 0.50% · 4.625%
HK$88,855
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,812/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,660 · Scale 2, in force from 26 Feb 2026)