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$40,028
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,265/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$45,126
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,530
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,725
−HK$1,211/mo
Today · 4.125%
HK$46,936
baseline
▲ 0.50% · 4.625%
HK$49,410
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,872/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,033
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,527
−HK$1,518/mo
Today · 4.125%
HK$51,045
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,090/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,436
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,869
−HK$1,454/mo
Today · 4.125%
HK$56,323
baseline
▲ 0.50% · 4.625%
HK$59,292
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,646/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,039
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,782
−HK$1,771/mo
Today · 4.125%
HK$59,553
baseline
▲ 0.50% · 4.625%
HK$63,176
+HK$3,623/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,106/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,342
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,014
−HK$1,697/mo
Today · 4.125%
HK$65,711
baseline
▲ 0.50% · 4.625%
HK$69,174
+HK$3,463/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,422/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,050
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,291
−HK$2,277/mo
Today · 4.125%
HK$76,568
baseline
▲ 0.50% · 4.625%
HK$81,227
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,136/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,155
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,304
−HK$2,181/mo
Today · 4.125%
HK$84,485
baseline
▲ 0.50% · 4.625%
HK$88,938
+HK$4,453/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,970/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,275 · Scale 2, in force from 26 Feb 2026)