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$39,959
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,202
−HK$1,263/mo
Today · 4.125%
HK$42,465
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,930/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,454
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,646
−HK$1,209/mo
Today · 4.125%
HK$46,855
baseline
▲ 0.50% · 4.625%
HK$49,325
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,710/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,951
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,442
−HK$1,515/mo
Today · 4.125%
HK$50,957
baseline
▲ 0.50% · 4.625%
HK$54,058
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,914/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,344
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,452/mo
Today · 4.125%
HK$56,227
baseline
▲ 0.50% · 4.625%
HK$59,190
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,454/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,942
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$57,682
−HK$1,768/mo
Today · 4.125%
HK$59,450
baseline
▲ 0.50% · 4.625%
HK$63,068
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,900/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,235
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,694/mo
Today · 4.125%
HK$65,598
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,457/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,196/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,926
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,163
−HK$2,273/mo
Today · 4.125%
HK$76,436
baseline
▲ 0.50% · 4.625%
HK$81,087
+HK$4,651/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,872/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,017
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,163
−HK$2,177/mo
Today · 4.125%
HK$84,340
baseline
▲ 0.50% · 4.625%
HK$88,785
+HK$4,445/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,680/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,143 · Scale 2, in force from 26 Feb 2026)