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$40,005
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,265/mo
Today · 4.125%
HK$42,514
baseline
▲ 0.50% · 4.625%
HK$45,101
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,028/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,505
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,699
−HK$1,211/mo
Today · 4.125%
HK$46,910
baseline
▲ 0.50% · 4.625%
HK$49,382
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,820/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,006
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,499
−HK$1,518/mo
Today · 4.125%
HK$51,017
baseline
▲ 0.50% · 4.625%
HK$54,121
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,034/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,406
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,839
−HK$1,453/mo
Today · 4.125%
HK$56,292
baseline
▲ 0.50% · 4.625%
HK$59,259
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,584/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,007
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,749
−HK$1,770/mo
Today · 4.125%
HK$59,519
baseline
▲ 0.50% · 4.625%
HK$63,141
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,038/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,307
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,978
−HK$1,696/mo
Today · 4.125%
HK$65,674
baseline
▲ 0.50% · 4.625%
HK$69,135
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,348/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,009
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,249
−HK$2,276/mo
Today · 4.125%
HK$76,525
baseline
▲ 0.50% · 4.625%
HK$81,181
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,050/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,109
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,258
−HK$2,180/mo
Today · 4.125%
HK$84,438
baseline
▲ 0.50% · 4.625%
HK$88,888
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,876/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,905 · Scale 2, in force from 26 Feb 2026)