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$40,045
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,266/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$45,146
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,550
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,745
−HK$1,212/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,432
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,054
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,549
−HK$1,519/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$54,175
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,460
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,894
−HK$1,454/mo
Today · 4.125%
HK$56,348
baseline
▲ 0.50% · 4.625%
HK$59,319
+HK$2,971/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,696/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,064
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,807
−HK$1,772/mo
Today · 4.125%
HK$59,579
baseline
▲ 0.50% · 4.625%
HK$63,204
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,158/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,370
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,043
−HK$1,697/mo
Today · 4.125%
HK$65,740
baseline
▲ 0.50% · 4.625%
HK$69,205
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,480/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,082
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,324
−HK$2,278/mo
Today · 4.125%
HK$76,602
baseline
▲ 0.50% · 4.625%
HK$81,263
+HK$4,661/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,204/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,190
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,341
−HK$2,182/mo
Today · 4.125%
HK$84,523
baseline
▲ 0.50% · 4.625%
HK$88,978
+HK$4,455/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,046/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,568 · Scale 2, in force from 26 Feb 2026)