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$40,105
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,353
−HK$1,267/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$45,213
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,214/mo
Today · 4.125%
HK$47,027
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,479/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,054/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,126
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,623
−HK$1,521/mo
Today · 4.125%
HK$51,144
baseline
▲ 0.50% · 4.625%
HK$54,256
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,288/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,540
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,976
−HK$1,456/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,407
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,147
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,894
−HK$1,774/mo
Today · 4.125%
HK$59,668
baseline
▲ 0.50% · 4.625%
HK$63,299
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,336/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,463
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,138
−HK$1,700/mo
Today · 4.125%
HK$65,838
baseline
▲ 0.50% · 4.625%
HK$69,308
+HK$3,470/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,676/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,189
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,435
−HK$2,281/mo
Today · 4.125%
HK$76,716
baseline
▲ 0.50% · 4.625%
HK$81,384
+HK$4,668/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,432/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,310
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,186/mo
Today · 4.125%
HK$84,649
baseline
▲ 0.50% · 4.625%
HK$89,110
+HK$4,461/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,298/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,549 · Scale 2, in force from 26 Feb 2026)