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$39,973
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,264/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$45,065
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,470
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,210/mo
Today · 4.125%
HK$46,872
baseline
▲ 0.50% · 4.625%
HK$49,343
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,744/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,968
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,460
−HK$1,516/mo
Today · 4.125%
HK$50,976
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,952/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,364
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,795
−HK$1,452/mo
Today · 4.125%
HK$56,247
baseline
▲ 0.50% · 4.625%
HK$59,211
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,494/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,962
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,703
−HK$1,769/mo
Today · 4.125%
HK$59,472
baseline
▲ 0.50% · 4.625%
HK$63,090
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,944/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,257
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$63,927
−HK$1,694/mo
Today · 4.125%
HK$65,621
baseline
▲ 0.50% · 4.625%
HK$69,080
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,242/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,952
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,190
−HK$2,274/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$81,116
+HK$4,652/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,045
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,192
−HK$2,178/mo
Today · 4.125%
HK$84,370
baseline
▲ 0.50% · 4.625%
HK$88,817
+HK$4,447/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,740/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,378 · Scale 2, in force from 26 Feb 2026)