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$40,006
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,251
−HK$1,264/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,507
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,211/mo
Today · 4.125%
HK$46,911
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,822/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,501
−HK$1,517/mo
Today · 4.125%
HK$51,018
baseline
▲ 0.50% · 4.625%
HK$54,122
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,036/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,408
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,840
−HK$1,453/mo
Today · 4.125%
HK$56,293
baseline
▲ 0.50% · 4.625%
HK$59,261
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,586/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,009
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,751
−HK$1,770/mo
Today · 4.125%
HK$59,521
baseline
▲ 0.50% · 4.625%
HK$63,143
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,042/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,309
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,980
−HK$1,696/mo
Today · 4.125%
HK$65,676
baseline
▲ 0.50% · 4.625%
HK$69,138
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,352/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,011
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,251
−HK$2,276/mo
Today · 4.125%
HK$76,527
baseline
▲ 0.50% · 4.625%
HK$81,184
+HK$4,657/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,054/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,112
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,261
−HK$2,179/mo
Today · 4.125%
HK$84,440
baseline
▲ 0.50% · 4.625%
HK$88,891
+HK$4,451/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,880/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,925 · Scale 2, in force from 26 Feb 2026)