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$39,981
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,263/mo
Today · 4.125%
HK$42,488
baseline
▲ 0.50% · 4.625%
HK$45,073
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,976/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,478
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,671
−HK$1,210/mo
Today · 4.125%
HK$46,881
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,762/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,977
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,470
−HK$1,516/mo
Today · 4.125%
HK$50,986
baseline
▲ 0.50% · 4.625%
HK$54,088
+HK$3,102/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,972/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,374
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,806
−HK$1,452/mo
Today · 4.125%
HK$56,258
baseline
▲ 0.50% · 4.625%
HK$59,223
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,516/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,973
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,714
−HK$1,769/mo
Today · 4.125%
HK$59,483
baseline
▲ 0.50% · 4.625%
HK$63,103
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,966/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,270
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,940
−HK$1,694/mo
Today · 4.125%
HK$65,634
baseline
▲ 0.50% · 4.625%
HK$69,094
+HK$3,460/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,268/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,966
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,204
−HK$2,275/mo
Today · 4.125%
HK$76,479
baseline
▲ 0.50% · 4.625%
HK$81,132
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,958/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,061
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,208
−HK$2,179/mo
Today · 4.125%
HK$84,387
baseline
▲ 0.50% · 4.625%
HK$88,835
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,774/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,508 · Scale 2, in force from 26 Feb 2026)