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$40,070
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,316
−HK$1,266/mo
Today · 4.125%
HK$42,582
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,164/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,577
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,773
−HK$1,212/mo
Today · 4.125%
HK$46,985
baseline
▲ 0.50% · 4.625%
HK$49,462
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,970/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,084
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,579
−HK$1,520/mo
Today · 4.125%
HK$51,099
baseline
▲ 0.50% · 4.625%
HK$54,208
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,198/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,493
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,927
−HK$1,456/mo
Today · 4.125%
HK$56,383
baseline
▲ 0.50% · 4.625%
HK$59,355
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,766/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,098
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,843
−HK$1,772/mo
Today · 4.125%
HK$59,615
baseline
▲ 0.50% · 4.625%
HK$63,243
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,230/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,408
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,082
−HK$1,698/mo
Today · 4.125%
HK$65,780
baseline
▲ 0.50% · 4.625%
HK$69,247
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,560/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,125
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,369
−HK$2,279/mo
Today · 4.125%
HK$76,648
baseline
▲ 0.50% · 4.625%
HK$81,312
+HK$4,664/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,296/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,239
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,391
−HK$2,183/mo
Today · 4.125%
HK$84,574
baseline
▲ 0.50% · 4.625%
HK$89,032
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,148/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,967 · Scale 2, in force from 26 Feb 2026)