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$39,937
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,262/mo
Today · 4.125%
HK$42,441
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,882/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,429
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,209/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,298
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,924
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,415
−HK$1,514/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$54,028
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,315
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,745
−HK$1,450/mo
Today · 4.125%
HK$56,195
baseline
▲ 0.50% · 4.625%
HK$59,158
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,390/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,911
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,651
−HK$1,767/mo
Today · 4.125%
HK$59,418
baseline
▲ 0.50% · 4.625%
HK$63,033
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,836/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,201
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,869
−HK$1,692/mo
Today · 4.125%
HK$65,561
baseline
▲ 0.50% · 4.625%
HK$69,017
+HK$3,456/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,122/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,886
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,122
−HK$2,272/mo
Today · 4.125%
HK$76,394
baseline
▲ 0.50% · 4.625%
HK$81,042
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,788/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,973
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$82,117
−HK$2,176/mo
Today · 4.125%
HK$84,293
baseline
▲ 0.50% · 4.625%
HK$88,736
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,586/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,781 · Scale 2, in force from 26 Feb 2026)