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$39,950
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,193
−HK$1,262/mo
Today · 4.125%
HK$42,455
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,584/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,910/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,209/mo
Today · 4.125%
HK$46,845
baseline
▲ 0.50% · 4.625%
HK$49,315
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,690/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,940
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,431
−HK$1,515/mo
Today · 4.125%
HK$50,946
baseline
▲ 0.50% · 4.625%
HK$54,046
+HK$3,100/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,892/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,333
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,763
−HK$1,451/mo
Today · 4.125%
HK$56,214
baseline
▲ 0.50% · 4.625%
HK$59,177
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,428/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,930
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,670
−HK$1,767/mo
Today · 4.125%
HK$59,437
baseline
▲ 0.50% · 4.625%
HK$63,054
+HK$3,617/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$118,874/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,222
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,890
−HK$1,693/mo
Today · 4.125%
HK$65,583
baseline
▲ 0.50% · 4.625%
HK$69,040
+HK$3,457/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$131,166/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,910
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,147
−HK$2,273/mo
Today · 4.125%
HK$76,420
baseline
▲ 0.50% · 4.625%
HK$81,070
+HK$4,650/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,840/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,999
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,145
−HK$2,176/mo
Today · 4.125%
HK$84,321
baseline
▲ 0.50% · 4.625%
HK$88,766
+HK$4,445/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,642/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,001 · Scale 2, in force from 26 Feb 2026)