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$39,935
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,177
−HK$1,262/mo
Today · 4.125%
HK$42,439
baseline
▲ 0.50% · 4.625%
HK$45,022
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,878/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,427
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,619
−HK$1,209/mo
Today · 4.125%
HK$46,828
baseline
▲ 0.50% · 4.625%
HK$49,296
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,656/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,922
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$49,413
−HK$1,514/mo
Today · 4.125%
HK$50,927
baseline
▲ 0.50% · 4.625%
HK$54,026
+HK$3,099/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,854/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,313
−HK$2,880/mo
▼ 0.25% · 3.875%
HK$54,743
−HK$1,450/mo
Today · 4.125%
HK$56,193
baseline
▲ 0.50% · 4.625%
HK$59,155
+HK$2,962/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,386/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,909
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$57,648
−HK$1,767/mo
Today · 4.125%
HK$59,415
baseline
▲ 0.50% · 4.625%
HK$63,030
+HK$3,615/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$118,830/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,198
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,866
−HK$1,693/mo
Today · 4.125%
HK$65,559
baseline
▲ 0.50% · 4.625%
HK$69,014
+HK$3,455/mo
Deposit HK$5.25M · loan HK$12.26M · min. income ≈ HK$131,118/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,883
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$74,119
−HK$2,272/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$81,039
+HK$4,648/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,969
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$82,114
−HK$2,176/mo
Today · 4.125%
HK$84,290
baseline
▲ 0.50% · 4.625%
HK$88,733
+HK$4,443/mo
Deposit HK$1.75M · loan HK$15.76M · min. income ≈ HK$168,580/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,753 · Scale 2, in force from 26 Feb 2026)