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$39,938
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,180
−HK$1,262/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,582/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,430
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,622
−HK$1,209/mo
Today · 4.125%
HK$46,831
baseline
▲ 0.50% · 4.625%
HK$49,299
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,662/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,925
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,514/mo
Today · 4.125%
HK$50,930
baseline
▲ 0.50% · 4.625%
HK$54,029
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,860/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,746
−HK$1,451/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,159
+HK$2,962/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,913
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,652
−HK$1,767/mo
Today · 4.125%
HK$59,419
baseline
▲ 0.50% · 4.625%
HK$63,034
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,838/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,202
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,870
−HK$1,693/mo
Today · 4.125%
HK$65,563
baseline
▲ 0.50% · 4.625%
HK$69,019
+HK$3,456/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,126/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,888
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,124
−HK$2,272/mo
Today · 4.125%
HK$76,396
baseline
▲ 0.50% · 4.625%
HK$81,044
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,792/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,974
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,119
−HK$2,176/mo
Today · 4.125%
HK$84,295
baseline
▲ 0.50% · 4.625%
HK$88,738
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,590/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,794 · Scale 2, in force from 26 Feb 2026)