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$39,940
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,262/mo
Today · 4.125%
HK$42,444
baseline
▲ 0.50% · 4.625%
HK$45,027
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,888/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,624
−HK$1,209/mo
Today · 4.125%
HK$46,833
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,469/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,666/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,928
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,419
−HK$1,514/mo
Today · 4.125%
HK$50,933
baseline
▲ 0.50% · 4.625%
HK$54,032
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,866/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,319
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,749
−HK$1,451/mo
Today · 4.125%
HK$56,200
baseline
▲ 0.50% · 4.625%
HK$59,162
+HK$2,962/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,400/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,916
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,655
−HK$1,767/mo
Today · 4.125%
HK$59,422
baseline
▲ 0.50% · 4.625%
HK$63,038
+HK$3,616/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,844/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,206
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$63,874
−HK$1,692/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,023
+HK$3,457/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,892
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,128
−HK$2,272/mo
Today · 4.125%
HK$76,400
baseline
▲ 0.50% · 4.625%
HK$81,049
+HK$4,649/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,800/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,979
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,124
−HK$2,176/mo
Today · 4.125%
HK$84,300
baseline
▲ 0.50% · 4.625%
HK$88,743
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,600/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,831 · Scale 2, in force from 26 Feb 2026)