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$39,997
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,241
−HK$1,264/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,496
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,689
−HK$1,211/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,996
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,489
−HK$1,517/mo
Today · 4.125%
HK$51,006
baseline
▲ 0.50% · 4.625%
HK$54,109
+HK$3,103/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,012/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,395
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,827
−HK$1,453/mo
Today · 4.125%
HK$56,280
baseline
▲ 0.50% · 4.625%
HK$59,247
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,560/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,995
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,737
−HK$1,770/mo
Today · 4.125%
HK$59,507
baseline
▲ 0.50% · 4.625%
HK$63,128
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,014/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,294
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,965
−HK$1,695/mo
Today · 4.125%
HK$65,660
baseline
▲ 0.50% · 4.625%
HK$69,121
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,320/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,994
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,234
−HK$2,275/mo
Today · 4.125%
HK$76,509
baseline
▲ 0.50% · 4.625%
HK$81,164
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,018/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,093
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,241
−HK$2,179/mo
Today · 4.125%
HK$84,420
baseline
▲ 0.50% · 4.625%
HK$88,870
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,840/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,768 · Scale 2, in force from 26 Feb 2026)