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$39,934
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,262/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,209/mo
Today · 4.125%
HK$46,826
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,652/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,920
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,411
−HK$1,514/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$54,024
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,311
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,741
−HK$1,450/mo
Today · 4.125%
HK$56,191
baseline
▲ 0.50% · 4.625%
HK$59,153
+HK$2,962/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,382/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,907
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,646
−HK$1,767/mo
Today · 4.125%
HK$59,413
baseline
▲ 0.50% · 4.625%
HK$63,028
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,826/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,196
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,692/mo
Today · 4.125%
HK$65,556
baseline
▲ 0.50% · 4.625%
HK$69,012
+HK$3,456/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,112/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,880
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,116
−HK$2,272/mo
Today · 4.125%
HK$76,388
baseline
▲ 0.50% · 4.625%
HK$81,036
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,776/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,111
−HK$2,176/mo
Today · 4.125%
HK$84,287
baseline
▲ 0.50% · 4.625%
HK$88,729
+HK$4,442/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,574/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,729 · Scale 2, in force from 26 Feb 2026)