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$40,010
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,255
−HK$1,264/mo
Today · 4.125%
HK$42,519
baseline
▲ 0.50% · 4.625%
HK$45,107
+HK$2,588/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,038/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,511
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,211/mo
Today · 4.125%
HK$46,916
baseline
▲ 0.50% · 4.625%
HK$49,389
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,832/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,506
−HK$1,517/mo
Today · 4.125%
HK$51,023
baseline
▲ 0.50% · 4.625%
HK$54,128
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,046/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,413
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,846
−HK$1,453/mo
Today · 4.125%
HK$56,299
baseline
▲ 0.50% · 4.625%
HK$59,267
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,598/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,015
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,757
−HK$1,770/mo
Today · 4.125%
HK$59,527
baseline
▲ 0.50% · 4.625%
HK$63,149
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,054/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,316
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,987
−HK$1,695/mo
Today · 4.125%
HK$65,682
baseline
▲ 0.50% · 4.625%
HK$69,145
+HK$3,463/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,364/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,019
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,259
−HK$2,276/mo
Today · 4.125%
HK$76,535
baseline
▲ 0.50% · 4.625%
HK$81,192
+HK$4,657/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,070/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,120
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,269
−HK$2,180/mo
Today · 4.125%
HK$84,449
baseline
▲ 0.50% · 4.625%
HK$88,900
+HK$4,451/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,898/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,993 · Scale 2, in force from 26 Feb 2026)