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$39,999
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,264/mo
Today · 4.125%
HK$42,507
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,014/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,498
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,211/mo
Today · 4.125%
HK$46,903
baseline
▲ 0.50% · 4.625%
HK$49,375
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,806/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,999
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,492
−HK$1,517/mo
Today · 4.125%
HK$51,009
baseline
▲ 0.50% · 4.625%
HK$54,112
+HK$3,103/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,018/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,398
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,830
−HK$1,453/mo
Today · 4.125%
HK$56,283
baseline
▲ 0.50% · 4.625%
HK$59,250
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,566/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,999
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,740
−HK$1,770/mo
Today · 4.125%
HK$59,510
baseline
▲ 0.50% · 4.625%
HK$63,131
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,020/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,298
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,969
−HK$1,695/mo
Today · 4.125%
HK$65,664
baseline
▲ 0.50% · 4.625%
HK$69,125
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,328/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,998
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,238
−HK$2,275/mo
Today · 4.125%
HK$76,513
baseline
▲ 0.50% · 4.625%
HK$81,169
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,026/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,097
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,245
−HK$2,180/mo
Today · 4.125%
HK$84,425
baseline
▲ 0.50% · 4.625%
HK$88,875
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,850/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,804 · Scale 2, in force from 26 Feb 2026)