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$39,984
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,264/mo
Today · 4.125%
HK$42,492
baseline
▲ 0.50% · 4.625%
HK$45,077
+HK$2,585/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,984/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,482
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,210/mo
Today · 4.125%
HK$46,885
baseline
▲ 0.50% · 4.625%
HK$49,357
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,770/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,981
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,516/mo
Today · 4.125%
HK$50,990
baseline
▲ 0.50% · 4.625%
HK$54,093
+HK$3,103/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,980/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,379
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,810
−HK$1,453/mo
Today · 4.125%
HK$56,263
baseline
▲ 0.50% · 4.625%
HK$59,228
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,526/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,978
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,719
−HK$1,769/mo
Today · 4.125%
HK$59,488
baseline
▲ 0.50% · 4.625%
HK$63,108
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,976/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,275
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,945
−HK$1,695/mo
Today · 4.125%
HK$65,640
baseline
▲ 0.50% · 4.625%
HK$69,100
+HK$3,460/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,280/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,972
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,211
−HK$2,274/mo
Today · 4.125%
HK$76,485
baseline
▲ 0.50% · 4.625%
HK$81,139
+HK$4,654/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,970/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,068
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$82,215
−HK$2,179/mo
Today · 4.125%
HK$84,394
baseline
▲ 0.50% · 4.625%
HK$88,842
+HK$4,448/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,788/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,564 · Scale 2, in force from 26 Feb 2026)