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$39,949
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,191
−HK$1,263/mo
Today · 4.125%
HK$42,454
baseline
▲ 0.50% · 4.625%
HK$45,037
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,908/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,442
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,634
−HK$1,209/mo
Today · 4.125%
HK$46,843
baseline
▲ 0.50% · 4.625%
HK$49,313
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,686/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,938
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,429
−HK$1,515/mo
Today · 4.125%
HK$50,944
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$3,100/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,888/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,331
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,761
−HK$1,451/mo
Today · 4.125%
HK$56,212
baseline
▲ 0.50% · 4.625%
HK$59,175
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,424/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,928
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,668
−HK$1,767/mo
Today · 4.125%
HK$59,435
baseline
▲ 0.50% · 4.625%
HK$63,052
+HK$3,617/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$118,870/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,219
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,888
−HK$1,693/mo
Today · 4.125%
HK$65,581
baseline
▲ 0.50% · 4.625%
HK$69,038
+HK$3,457/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$131,162/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,907
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,144
−HK$2,273/mo
Today · 4.125%
HK$76,417
baseline
▲ 0.50% · 4.625%
HK$81,066
+HK$4,649/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,834/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,996
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,142
−HK$2,176/mo
Today · 4.125%
HK$84,318
baseline
▲ 0.50% · 4.625%
HK$88,763
+HK$4,445/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,636/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,975 · Scale 2, in force from 26 Feb 2026)