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$39,965
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,208
−HK$1,263/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,460
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,653
−HK$1,209/mo
Today · 4.125%
HK$46,862
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,724/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,957
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,449
−HK$1,516/mo
Today · 4.125%
HK$50,965
baseline
▲ 0.50% · 4.625%
HK$54,066
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,930/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,352
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,783
−HK$1,452/mo
Today · 4.125%
HK$56,235
baseline
▲ 0.50% · 4.625%
HK$59,199
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,470/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,950
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,691
−HK$1,768/mo
Today · 4.125%
HK$59,459
baseline
▲ 0.50% · 4.625%
HK$63,077
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,918/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,244
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,693/mo
Today · 4.125%
HK$65,607
baseline
▲ 0.50% · 4.625%
HK$69,065
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,214/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,936
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,174
−HK$2,273/mo
Today · 4.125%
HK$76,447
baseline
▲ 0.50% · 4.625%
HK$81,099
+HK$4,652/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,894/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,028
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,175
−HK$2,177/mo
Today · 4.125%
HK$84,352
baseline
▲ 0.50% · 4.625%
HK$88,798
+HK$4,446/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,704/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,238 · Scale 2, in force from 26 Feb 2026)