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$39,947
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,189
−HK$1,263/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$45,035
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,440
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,632
−HK$1,209/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,310
+HK$2,469/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,936
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,515/mo
Today · 4.125%
HK$50,942
baseline
▲ 0.50% · 4.625%
HK$54,042
+HK$3,100/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,884/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,329
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,759
−HK$1,451/mo
Today · 4.125%
HK$56,210
baseline
▲ 0.50% · 4.625%
HK$59,173
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,420/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,926
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,665
−HK$1,768/mo
Today · 4.125%
HK$59,433
baseline
▲ 0.50% · 4.625%
HK$63,049
+HK$3,616/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$118,866/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,217
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,885
−HK$1,693/mo
Today · 4.125%
HK$65,578
baseline
▲ 0.50% · 4.625%
HK$69,035
+HK$3,457/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$131,156/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,904
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,141
−HK$2,272/mo
Today · 4.125%
HK$76,413
baseline
▲ 0.50% · 4.625%
HK$81,063
+HK$4,650/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,826/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,993
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,138
−HK$2,177/mo
Today · 4.125%
HK$84,315
baseline
▲ 0.50% · 4.625%
HK$88,759
+HK$4,444/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,630/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,947 · Scale 2, in force from 26 Feb 2026)