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$40,004
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,264/mo
Today · 4.125%
HK$42,513
baseline
▲ 0.50% · 4.625%
HK$45,100
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,026/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,504
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,698
−HK$1,211/mo
Today · 4.125%
HK$46,909
baseline
▲ 0.50% · 4.625%
HK$49,381
+HK$2,472/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,818/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,005
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$49,498
−HK$1,517/mo
Today · 4.125%
HK$51,015
baseline
▲ 0.50% · 4.625%
HK$54,120
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,030/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,405
−HK$2,885/mo
▼ 0.25% · 3.875%
HK$54,837
−HK$1,453/mo
Today · 4.125%
HK$56,290
baseline
▲ 0.50% · 4.625%
HK$59,258
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,580/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,006
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$57,748
−HK$1,770/mo
Today · 4.125%
HK$59,518
baseline
▲ 0.50% · 4.625%
HK$63,139
+HK$3,621/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,036/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,306
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,695/mo
Today · 4.125%
HK$65,672
baseline
▲ 0.50% · 4.625%
HK$69,134
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,344/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,008
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$74,247
−HK$2,276/mo
Today · 4.125%
HK$76,523
baseline
▲ 0.50% · 4.625%
HK$81,179
+HK$4,656/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,046/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,108
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$82,256
−HK$2,180/mo
Today · 4.125%
HK$84,436
baseline
▲ 0.50% · 4.625%
HK$88,886
+HK$4,450/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,872/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$657,891 · Scale 2, in force from 26 Feb 2026)