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$39,979
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,264/mo
Today · 4.125%
HK$42,487
baseline
▲ 0.50% · 4.625%
HK$45,072
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,974/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,670
−HK$1,210/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,351
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,975
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,468
−HK$1,516/mo
Today · 4.125%
HK$50,984
baseline
▲ 0.50% · 4.625%
HK$54,086
+HK$3,102/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,968/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,372
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,804
−HK$1,452/mo
Today · 4.125%
HK$56,256
baseline
▲ 0.50% · 4.625%
HK$59,221
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,512/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,712
−HK$1,769/mo
Today · 4.125%
HK$59,481
baseline
▲ 0.50% · 4.625%
HK$63,100
+HK$3,619/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,962/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,267
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,937
−HK$1,695/mo
Today · 4.125%
HK$65,632
baseline
▲ 0.50% · 4.625%
HK$69,091
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,264/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,963
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,202
−HK$2,274/mo
Today · 4.125%
HK$76,476
baseline
▲ 0.50% · 4.625%
HK$81,129
+HK$4,653/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,952/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,058
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,205
−HK$2,178/mo
Today · 4.125%
HK$84,383
baseline
▲ 0.50% · 4.625%
HK$88,831
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,766/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,484 · Scale 2, in force from 26 Feb 2026)