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$40,074
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,267/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,213/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,089
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,584
−HK$1,520/mo
Today · 4.125%
HK$51,104
baseline
▲ 0.50% · 4.625%
HK$54,214
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,208/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,498
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,933
−HK$1,455/mo
Today · 4.125%
HK$56,388
baseline
▲ 0.50% · 4.625%
HK$59,361
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,776/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,103
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,849
−HK$1,773/mo
Today · 4.125%
HK$59,622
baseline
▲ 0.50% · 4.625%
HK$63,249
+HK$3,627/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,244/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,415
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,088
−HK$1,699/mo
Today · 4.125%
HK$65,787
baseline
▲ 0.50% · 4.625%
HK$69,254
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,574/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,133
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,377
−HK$2,279/mo
Today · 4.125%
HK$76,656
baseline
▲ 0.50% · 4.625%
HK$81,321
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,312/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,247
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,399
−HK$2,184/mo
Today · 4.125%
HK$84,583
baseline
▲ 0.50% · 4.625%
HK$89,041
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,166/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,036 · Scale 2, in force from 26 Feb 2026)