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$40,003
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,247
−HK$1,265/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$45,098
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,503
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,696
−HK$1,211/mo
Today · 4.125%
HK$46,907
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,814/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,004
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,517/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$54,118
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,403
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,836
−HK$1,453/mo
Today · 4.125%
HK$56,289
baseline
▲ 0.50% · 4.625%
HK$59,256
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,578/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,004
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,746
−HK$1,770/mo
Today · 4.125%
HK$59,516
baseline
▲ 0.50% · 4.625%
HK$63,138
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,032/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,304
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,975
−HK$1,695/mo
Today · 4.125%
HK$65,670
baseline
▲ 0.50% · 4.625%
HK$69,132
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,340/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,005
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,245
−HK$2,276/mo
Today · 4.125%
HK$76,521
baseline
▲ 0.50% · 4.625%
HK$81,177
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,042/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,105
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,254
−HK$2,179/mo
Today · 4.125%
HK$84,433
baseline
▲ 0.50% · 4.625%
HK$88,884
+HK$4,451/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,866/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,870 · Scale 2, in force from 26 Feb 2026)