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$40,027
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,272
−HK$1,265/mo
Today · 4.125%
HK$42,537
baseline
▲ 0.50% · 4.625%
HK$45,125
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,074/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,529
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,211/mo
Today · 4.125%
HK$46,935
baseline
▲ 0.50% · 4.625%
HK$49,409
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,870/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,032
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,526
−HK$1,518/mo
Today · 4.125%
HK$51,044
baseline
▲ 0.50% · 4.625%
HK$54,150
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,088/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,435
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,868
−HK$1,454/mo
Today · 4.125%
HK$56,322
baseline
▲ 0.50% · 4.625%
HK$59,291
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,644/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,038
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,781
−HK$1,771/mo
Today · 4.125%
HK$59,552
baseline
▲ 0.50% · 4.625%
HK$63,175
+HK$3,623/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,104/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,341
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,013
−HK$1,696/mo
Today · 4.125%
HK$65,709
baseline
▲ 0.50% · 4.625%
HK$69,173
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,418/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,048
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,289
−HK$2,277/mo
Today · 4.125%
HK$76,566
baseline
▲ 0.50% · 4.625%
HK$81,225
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,132/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,153
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,303
−HK$2,180/mo
Today · 4.125%
HK$84,483
baseline
▲ 0.50% · 4.625%
HK$88,937
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,966/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,263 · Scale 2, in force from 26 Feb 2026)