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$39,984
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,264/mo
Today · 4.125%
HK$42,491
baseline
▲ 0.50% · 4.625%
HK$45,077
+HK$2,586/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$84,982/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,481
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,211/mo
Today · 4.125%
HK$46,885
baseline
▲ 0.50% · 4.625%
HK$49,356
+HK$2,471/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,770/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,980
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$49,473
−HK$1,516/mo
Today · 4.125%
HK$50,989
baseline
▲ 0.50% · 4.625%
HK$54,092
+HK$3,103/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$101,978/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,378
−HK$2,884/mo
▼ 0.25% · 3.875%
HK$54,809
−HK$1,453/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,227
+HK$2,965/mo
Deposit HK$7.01M · loan HK$10.52M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$7.67M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,977
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$57,718
−HK$1,769/mo
Today · 4.125%
HK$59,487
baseline
▲ 0.50% · 4.625%
HK$63,107
+HK$3,620/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$118,974/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,274
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$63,944
−HK$1,695/mo
Today · 4.125%
HK$65,639
baseline
▲ 0.50% · 4.625%
HK$69,098
+HK$3,459/mo
Deposit HK$5.26M · loan HK$12.27M · min. income ≈ HK$131,278/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,971
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$74,209
−HK$2,275/mo
Today · 4.125%
HK$76,484
baseline
▲ 0.50% · 4.625%
HK$81,138
+HK$4,654/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$152,968/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,067
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$82,214
−HK$2,178/mo
Today · 4.125%
HK$84,392
baseline
▲ 0.50% · 4.625%
HK$88,841
+HK$4,449/mo
Deposit HK$1.75M · loan HK$15.78M · min. income ≈ HK$168,784/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,553 · Scale 2, in force from 26 Feb 2026)