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$39,994
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,238
−HK$1,264/mo
Today · 4.125%
HK$42,502
baseline
▲ 0.50% · 4.625%
HK$45,088
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,004/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,492
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,686
−HK$1,210/mo
Today · 4.125%
HK$46,896
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,792/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,992
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,485
−HK$1,517/mo
Today · 4.125%
HK$51,002
baseline
▲ 0.50% · 4.625%
HK$54,105
+HK$3,103/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$102,004/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,391
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,453/mo
Today · 4.125%
HK$56,276
baseline
▲ 0.50% · 4.625%
HK$59,242
+HK$2,966/mo
Deposit HK$7.02M · loan HK$10.52M · min. income ≈ HK$112,552/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,991
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$57,733
−HK$1,769/mo
Today · 4.125%
HK$59,502
baseline
▲ 0.50% · 4.625%
HK$63,123
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,004/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,289
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,960
−HK$1,695/mo
Today · 4.125%
HK$65,655
baseline
▲ 0.50% · 4.625%
HK$69,116
+HK$3,461/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,310/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,988
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,228
−HK$2,275/mo
Today · 4.125%
HK$76,503
baseline
▲ 0.50% · 4.625%
HK$81,158
+HK$4,655/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,006/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,086
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$82,234
−HK$2,179/mo
Today · 4.125%
HK$84,413
baseline
▲ 0.50% · 4.625%
HK$88,863
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,826/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,716 · Scale 2, in force from 26 Feb 2026)