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$39,944
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,186
−HK$1,262/mo
Today · 4.125%
HK$42,448
baseline
▲ 0.50% · 4.625%
HK$45,031
+HK$2,583/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$84,896/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,629
−HK$1,209/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,306
+HK$2,468/mo
Deposit HK$8.76M · loan HK$8.76M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,932
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$49,423
−HK$1,515/mo
Today · 4.125%
HK$50,938
baseline
▲ 0.50% · 4.625%
HK$54,038
+HK$3,100/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$101,876/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,324
−HK$2,881/mo
▼ 0.25% · 3.875%
HK$54,754
−HK$1,451/mo
Today · 4.125%
HK$56,205
baseline
▲ 0.50% · 4.625%
HK$59,168
+HK$2,963/mo
Deposit HK$7.01M · loan HK$10.51M · min. income ≈ HK$112,410/mo (50% DSR)
Upfront cash ≈ HK$7.66M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,921
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$57,660
−HK$1,768/mo
Today · 4.125%
HK$59,428
baseline
▲ 0.50% · 4.625%
HK$63,044
+HK$3,616/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$118,856/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,212
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$63,880
−HK$1,693/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,029
+HK$3,456/mo
Deposit HK$5.26M · loan HK$12.26M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,898
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$74,135
−HK$2,272/mo
Today · 4.125%
HK$76,407
baseline
▲ 0.50% · 4.625%
HK$81,056
+HK$4,649/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$152,814/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,986
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$82,131
−HK$2,177/mo
Today · 4.125%
HK$84,308
baseline
▲ 0.50% · 4.625%
HK$88,752
+HK$4,444/mo
Deposit HK$1.75M · loan HK$15.77M · min. income ≈ HK$168,616/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$656,893 · Scale 2, in force from 26 Feb 2026)