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$39,967
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,210
−HK$1,263/mo
Today · 4.125%
HK$42,473
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,585/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,946/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,463
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,655
−HK$1,210/mo
Today · 4.125%
HK$46,865
baseline
▲ 0.50% · 4.625%
HK$49,335
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,730/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,960
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,452
−HK$1,516/mo
Today · 4.125%
HK$50,968
baseline
▲ 0.50% · 4.625%
HK$54,069
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,936/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,356
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,786
−HK$1,452/mo
Today · 4.125%
HK$56,238
baseline
▲ 0.50% · 4.625%
HK$59,203
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,476/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,954
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,694
−HK$1,769/mo
Today · 4.125%
HK$59,463
baseline
▲ 0.50% · 4.625%
HK$63,081
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,926/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,248
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,918
−HK$1,693/mo
Today · 4.125%
HK$65,611
baseline
▲ 0.50% · 4.625%
HK$69,070
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,222/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,941
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$74,178
−HK$2,274/mo
Today · 4.125%
HK$76,452
baseline
▲ 0.50% · 4.625%
HK$81,104
+HK$4,652/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,904/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,033
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$82,180
−HK$2,177/mo
Today · 4.125%
HK$84,357
baseline
▲ 0.50% · 4.625%
HK$88,804
+HK$4,447/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,714/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,279 · Scale 2, in force from 26 Feb 2026)