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$39,965
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,208
−HK$1,263/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$45,056
+HK$2,585/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,461
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,653
−HK$1,210/mo
Today · 4.125%
HK$46,863
baseline
▲ 0.50% · 4.625%
HK$49,333
+HK$2,470/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,726/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,958
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$49,450
−HK$1,516/mo
Today · 4.125%
HK$50,966
baseline
▲ 0.50% · 4.625%
HK$54,067
+HK$3,101/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,932/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,353
−HK$2,883/mo
▼ 0.25% · 3.875%
HK$54,784
−HK$1,452/mo
Today · 4.125%
HK$56,236
baseline
▲ 0.50% · 4.625%
HK$59,200
+HK$2,964/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,472/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,951
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$57,692
−HK$1,768/mo
Today · 4.125%
HK$59,460
baseline
▲ 0.50% · 4.625%
HK$63,078
+HK$3,618/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,920/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,245
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$63,915
−HK$1,693/mo
Today · 4.125%
HK$65,608
baseline
▲ 0.50% · 4.625%
HK$69,066
+HK$3,458/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,216/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,937
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$74,175
−HK$2,274/mo
Today · 4.125%
HK$76,449
baseline
▲ 0.50% · 4.625%
HK$81,100
+HK$4,651/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,898/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,030
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$82,176
−HK$2,177/mo
Today · 4.125%
HK$84,353
baseline
▲ 0.50% · 4.625%
HK$88,800
+HK$4,447/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,706/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,249 · Scale 2, in force from 26 Feb 2026)