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$40,033
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,265/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$45,132
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,731
−HK$1,211/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,518/mo
Today · 4.125%
HK$51,052
baseline
▲ 0.50% · 4.625%
HK$54,158
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,104/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,443
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,877
−HK$1,454/mo
Today · 4.125%
HK$56,331
baseline
▲ 0.50% · 4.625%
HK$59,300
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,662/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,046
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,789
−HK$1,772/mo
Today · 4.125%
HK$59,561
baseline
▲ 0.50% · 4.625%
HK$63,185
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,122/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,351
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,023
−HK$1,696/mo
Today · 4.125%
HK$65,719
baseline
▲ 0.50% · 4.625%
HK$69,183
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,438/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,059
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,301
−HK$2,277/mo
Today · 4.125%
HK$76,578
baseline
▲ 0.50% · 4.625%
HK$81,237
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,156/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,165
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,315
−HK$2,181/mo
Today · 4.125%
HK$84,496
baseline
▲ 0.50% · 4.625%
HK$88,950
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,992/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,362 · Scale 2, in force from 26 Feb 2026)