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$39,976
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,220
−HK$1,263/mo
Today · 4.125%
HK$42,483
baseline
▲ 0.50% · 4.625%
HK$45,068
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,966/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,473
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,666
−HK$1,210/mo
Today · 4.125%
HK$46,876
baseline
▲ 0.50% · 4.625%
HK$49,347
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,752/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,972
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,516/mo
Today · 4.125%
HK$50,980
baseline
▲ 0.50% · 4.625%
HK$54,082
+HK$3,102/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,960/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,368
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,799
−HK$1,452/mo
Today · 4.125%
HK$56,251
baseline
▲ 0.50% · 4.625%
HK$59,217
+HK$2,966/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,502/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,967
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,708
−HK$1,769/mo
Today · 4.125%
HK$59,477
baseline
▲ 0.50% · 4.625%
HK$63,096
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,954/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,263
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,933
−HK$1,694/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,086
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,958
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,196
−HK$2,274/mo
Today · 4.125%
HK$76,470
baseline
▲ 0.50% · 4.625%
HK$81,123
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,940/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,052
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,199
−HK$2,178/mo
Today · 4.125%
HK$84,377
baseline
▲ 0.50% · 4.625%
HK$88,825
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,754/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,435 · Scale 2, in force from 26 Feb 2026)