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$39,957
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,200
−HK$1,263/mo
Today · 4.125%
HK$42,463
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,926/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,452
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,644
−HK$1,210/mo
Today · 4.125%
HK$46,854
baseline
▲ 0.50% · 4.625%
HK$49,324
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,708/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,949
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,440
−HK$1,516/mo
Today · 4.125%
HK$50,956
baseline
▲ 0.50% · 4.625%
HK$54,056
+HK$3,100/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,912/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,343
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,773
−HK$1,452/mo
Today · 4.125%
HK$56,225
baseline
▲ 0.50% · 4.625%
HK$59,188
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,450/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,940
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,680
−HK$1,768/mo
Today · 4.125%
HK$59,448
baseline
▲ 0.50% · 4.625%
HK$63,066
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,896/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,233
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,902
−HK$1,693/mo
Today · 4.125%
HK$65,595
baseline
▲ 0.50% · 4.625%
HK$69,053
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,190/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,923
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,161
−HK$2,273/mo
Today · 4.125%
HK$76,434
baseline
▲ 0.50% · 4.625%
HK$81,084
+HK$4,650/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,868/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,014
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,160
−HK$2,177/mo
Today · 4.125%
HK$84,337
baseline
▲ 0.50% · 4.625%
HK$88,782
+HK$4,445/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,674/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,121 · Scale 2, in force from 26 Feb 2026)