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$40,015
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,260
−HK$1,264/mo
Today · 4.125%
HK$42,524
baseline
▲ 0.50% · 4.625%
HK$45,112
+HK$2,588/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,048/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,516
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,710
−HK$1,211/mo
Today · 4.125%
HK$46,921
baseline
▲ 0.50% · 4.625%
HK$49,394
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,842/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,018
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,511
−HK$1,518/mo
Today · 4.125%
HK$51,029
baseline
▲ 0.50% · 4.625%
HK$54,134
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,058/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,419
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,852
−HK$1,453/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,273
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,021
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,763
−HK$1,771/mo
Today · 4.125%
HK$59,534
baseline
▲ 0.50% · 4.625%
HK$63,156
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,068/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,323
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,994
−HK$1,696/mo
Today · 4.125%
HK$65,690
baseline
▲ 0.50% · 4.625%
HK$69,152
+HK$3,462/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,380/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,027
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,267
−HK$2,276/mo
Today · 4.125%
HK$76,543
baseline
▲ 0.50% · 4.625%
HK$81,201
+HK$4,658/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,086/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,129
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,278
−HK$2,180/mo
Today · 4.125%
HK$84,458
baseline
▲ 0.50% · 4.625%
HK$88,910
+HK$4,452/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,916/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,065 · Scale 2, in force from 26 Feb 2026)