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$39,941
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,183
−HK$1,262/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$45,028
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,209/mo
Today · 4.125%
HK$46,834
baseline
▲ 0.50% · 4.625%
HK$49,303
+HK$2,469/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,668/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,929
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,419
−HK$1,515/mo
Today · 4.125%
HK$50,934
baseline
▲ 0.50% · 4.625%
HK$54,033
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,868/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,320
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,750
−HK$1,451/mo
Today · 4.125%
HK$56,201
baseline
▲ 0.50% · 4.625%
HK$59,163
+HK$2,962/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,402/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,917
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,656
−HK$1,767/mo
Today · 4.125%
HK$59,423
baseline
▲ 0.50% · 4.625%
HK$63,039
+HK$3,616/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,846/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,207
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,875
−HK$1,693/mo
Today · 4.125%
HK$65,568
baseline
▲ 0.50% · 4.625%
HK$69,024
+HK$3,456/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,136/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,893
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,129
−HK$2,272/mo
Today · 4.125%
HK$76,401
baseline
▲ 0.50% · 4.625%
HK$81,050
+HK$4,649/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,802/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,980
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,125
−HK$2,176/mo
Today · 4.125%
HK$84,301
baseline
▲ 0.50% · 4.625%
HK$88,745
+HK$4,444/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,602/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,843 · Scale 2, in force from 26 Feb 2026)