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$39,985
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,229
−HK$1,264/mo
Today · 4.125%
HK$42,493
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,986/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,483
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,676
−HK$1,210/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,982
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,475
−HK$1,516/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$54,094
+HK$3,103/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,380
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,811
−HK$1,453/mo
Today · 4.125%
HK$56,264
baseline
▲ 0.50% · 4.625%
HK$59,229
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,528/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,979
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,721
−HK$1,769/mo
Today · 4.125%
HK$59,490
baseline
▲ 0.50% · 4.625%
HK$63,109
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,980/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,276
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,947
−HK$1,694/mo
Today · 4.125%
HK$65,641
baseline
▲ 0.50% · 4.625%
HK$69,101
+HK$3,460/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,282/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,973
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$74,212
−HK$2,275/mo
Today · 4.125%
HK$76,487
baseline
▲ 0.50% · 4.625%
HK$81,141
+HK$4,654/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,974/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,070
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,217
−HK$2,179/mo
Today · 4.125%
HK$84,396
baseline
▲ 0.50% · 4.625%
HK$88,844
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,792/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,578 · Scale 2, in force from 26 Feb 2026)