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$40,003
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,248
−HK$1,264/mo
Today · 4.125%
HK$42,512
baseline
▲ 0.50% · 4.625%
HK$45,099
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,024/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,503
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,697
−HK$1,211/mo
Today · 4.125%
HK$46,908
baseline
▲ 0.50% · 4.625%
HK$49,380
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,816/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,004
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,517/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$54,118
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,404
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,836
−HK$1,453/mo
Today · 4.125%
HK$56,289
baseline
▲ 0.50% · 4.625%
HK$59,256
+HK$2,967/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,578/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,005
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,747
−HK$1,770/mo
Today · 4.125%
HK$59,517
baseline
▲ 0.50% · 4.625%
HK$63,138
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,034/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,976
−HK$1,695/mo
Today · 4.125%
HK$65,671
baseline
▲ 0.50% · 4.625%
HK$69,132
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,342/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,006
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,246
−HK$2,276/mo
Today · 4.125%
HK$76,522
baseline
▲ 0.50% · 4.625%
HK$81,178
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,044/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,106
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,255
−HK$2,179/mo
Today · 4.125%
HK$84,434
baseline
▲ 0.50% · 4.625%
HK$88,885
+HK$4,451/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,868/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,877 · Scale 2, in force from 26 Feb 2026)