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$39,989
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,233
−HK$1,264/mo
Today · 4.125%
HK$42,497
baseline
▲ 0.50% · 4.625%
HK$45,083
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,994/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,487
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,681
−HK$1,210/mo
Today · 4.125%
HK$46,891
baseline
▲ 0.50% · 4.625%
HK$49,363
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,782/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,987
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,480
−HK$1,516/mo
Today · 4.125%
HK$50,996
baseline
▲ 0.50% · 4.625%
HK$54,099
+HK$3,103/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,992/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,385
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,817
−HK$1,452/mo
Today · 4.125%
HK$56,269
baseline
▲ 0.50% · 4.625%
HK$59,235
+HK$2,966/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,538/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,985
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,726
−HK$1,769/mo
Today · 4.125%
HK$59,495
baseline
▲ 0.50% · 4.625%
HK$63,116
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$118,990/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,282
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,953
−HK$1,694/mo
Today · 4.125%
HK$65,647
baseline
▲ 0.50% · 4.625%
HK$69,108
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,294/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,980
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,219
−HK$2,275/mo
Today · 4.125%
HK$76,494
baseline
▲ 0.50% · 4.625%
HK$81,149
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,988/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,077
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,225
−HK$2,179/mo
Today · 4.125%
HK$84,404
baseline
▲ 0.50% · 4.625%
HK$88,853
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,808/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,642 · Scale 2, in force from 26 Feb 2026)