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$40,088
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,267/mo
Today · 4.125%
HK$42,602
baseline
▲ 0.50% · 4.625%
HK$45,194
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,204/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,597
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,793
−HK$1,214/mo
Today · 4.125%
HK$47,007
baseline
▲ 0.50% · 4.625%
HK$49,485
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,014/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,105
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,602
−HK$1,520/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$54,233
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,517
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,952
−HK$1,456/mo
Today · 4.125%
HK$56,408
baseline
▲ 0.50% · 4.625%
HK$59,382
+HK$2,974/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,816/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,123
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,869
−HK$1,773/mo
Today · 4.125%
HK$59,642
baseline
▲ 0.50% · 4.625%
HK$63,272
+HK$3,630/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$119,284/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,436
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,111
−HK$1,699/mo
Today · 4.125%
HK$65,810
baseline
▲ 0.50% · 4.625%
HK$69,279
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$131,620/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,158
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,403
−HK$2,280/mo
Today · 4.125%
HK$76,683
baseline
▲ 0.50% · 4.625%
HK$81,349
+HK$4,666/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,366/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,275
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,428
−HK$2,184/mo
Today · 4.125%
HK$84,612
baseline
▲ 0.50% · 4.625%
HK$89,072
+HK$4,460/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,224/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,267 · Scale 2, in force from 26 Feb 2026)