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$39,958
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,201
−HK$1,263/mo
Today · 4.125%
HK$42,464
baseline
▲ 0.50% · 4.625%
HK$45,048
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,928/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,453
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,645
−HK$1,210/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$657,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,950
−HK$3,007/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$657,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,344
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,451/mo
Today · 4.125%
HK$56,226
baseline
▲ 0.50% · 4.625%
HK$59,190
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,452/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,136 · 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$63,067
+HK$3,617/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$657,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,235
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,693/mo
Today · 4.125%
HK$65,597
baseline
▲ 0.50% · 4.625%
HK$69,055
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,194/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,925
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,162
−HK$2,273/mo
Today · 4.125%
HK$76,435
baseline
▲ 0.50% · 4.625%
HK$81,086
+HK$4,651/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,870/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,016
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,162
−HK$2,177/mo
Today · 4.125%
HK$84,339
baseline
▲ 0.50% · 4.625%
HK$88,785
+HK$4,446/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,678/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,136 · Scale 2, in force from 26 Feb 2026)