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$40,009
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,254
−HK$1,264/mo
Today · 4.125%
HK$42,518
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,036/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,510
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,704
−HK$1,211/mo
Today · 4.125%
HK$46,915
baseline
▲ 0.50% · 4.625%
HK$49,387
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,830/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,011
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,504
−HK$1,518/mo
Today · 4.125%
HK$51,022
baseline
▲ 0.50% · 4.625%
HK$54,126
+HK$3,104/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,044/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,412
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,844
−HK$1,453/mo
Today · 4.125%
HK$56,297
baseline
▲ 0.50% · 4.625%
HK$59,265
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,594/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,013
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,755
−HK$1,770/mo
Today · 4.125%
HK$59,525
baseline
▲ 0.50% · 4.625%
HK$63,147
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,050/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,314
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,985
−HK$1,695/mo
Today · 4.125%
HK$65,680
baseline
▲ 0.50% · 4.625%
HK$69,142
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,360/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,017
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,257
−HK$2,276/mo
Today · 4.125%
HK$76,533
baseline
▲ 0.50% · 4.625%
HK$81,189
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,066/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,118
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,266
−HK$2,180/mo
Today · 4.125%
HK$84,446
baseline
▲ 0.50% · 4.625%
HK$88,897
+HK$4,451/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,892/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,972 · Scale 2, in force from 26 Feb 2026)