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$40,083
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,267/mo
Today · 4.125%
HK$42,596
baseline
▲ 0.50% · 4.625%
HK$45,188
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,192/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,592
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,788
−HK$1,213/mo
Today · 4.125%
HK$47,001
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,002/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,099
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,595
−HK$1,520/mo
Today · 4.125%
HK$51,115
baseline
▲ 0.50% · 4.625%
HK$54,226
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,230/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,510
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,945
−HK$1,456/mo
Today · 4.125%
HK$56,401
baseline
▲ 0.50% · 4.625%
HK$59,374
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,802/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,116
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,861
−HK$1,774/mo
Today · 4.125%
HK$59,635
baseline
▲ 0.50% · 4.625%
HK$63,263
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,270/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,428
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,103
−HK$1,698/mo
Today · 4.125%
HK$65,801
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,602/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,149
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,393
−HK$2,280/mo
Today · 4.125%
HK$76,673
baseline
▲ 0.50% · 4.625%
HK$81,339
+HK$4,666/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,346/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,265
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,418
−HK$2,183/mo
Today · 4.125%
HK$84,601
baseline
▲ 0.50% · 4.625%
HK$89,061
+HK$4,460/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,202/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,181 · Scale 2, in force from 26 Feb 2026)