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$39,956
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,199
−HK$1,263/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$45,045
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,451
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,209/mo
Today · 4.125%
HK$46,852
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,704/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,947
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$49,439
−HK$1,515/mo
Today · 4.125%
HK$50,954
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,908/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,341
−HK$2,882/mo
▼ 0.25% · 3.875%
HK$54,772
−HK$1,451/mo
Today · 4.125%
HK$56,223
baseline
▲ 0.50% · 4.625%
HK$59,186
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,446/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,939
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,679
−HK$1,767/mo
Today · 4.125%
HK$59,446
baseline
▲ 0.50% · 4.625%
HK$63,064
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,892/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,231
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,693/mo
Today · 4.125%
HK$65,593
baseline
▲ 0.50% · 4.625%
HK$69,051
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,186/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,921
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$74,158
−HK$2,273/mo
Today · 4.125%
HK$76,431
baseline
▲ 0.50% · 4.625%
HK$81,082
+HK$4,651/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,862/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,011
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,157
−HK$2,177/mo
Today · 4.125%
HK$84,334
baseline
▲ 0.50% · 4.625%
HK$88,780
+HK$4,446/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,668/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,100 · Scale 2, in force from 26 Feb 2026)