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$40,043
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,289
−HK$1,265/mo
Today · 4.125%
HK$42,554
baseline
▲ 0.50% · 4.625%
HK$45,144
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,108/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,548
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,742
−HK$1,212/mo
Today · 4.125%
HK$46,954
baseline
▲ 0.50% · 4.625%
HK$49,429
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,908/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,546
−HK$1,519/mo
Today · 4.125%
HK$51,065
baseline
▲ 0.50% · 4.625%
HK$54,172
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,130/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,457
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,891
−HK$1,454/mo
Today · 4.125%
HK$56,345
baseline
▲ 0.50% · 4.625%
HK$59,315
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,690/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,060
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,804
−HK$1,772/mo
Today · 4.125%
HK$59,576
baseline
▲ 0.50% · 4.625%
HK$63,201
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,152/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,367
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,697/mo
Today · 4.125%
HK$65,736
baseline
▲ 0.50% · 4.625%
HK$69,201
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,472/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,078
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,320
−HK$2,278/mo
Today · 4.125%
HK$76,598
baseline
▲ 0.50% · 4.625%
HK$81,258
+HK$4,660/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,196/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,186
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,336
−HK$2,182/mo
Today · 4.125%
HK$84,518
baseline
▲ 0.50% · 4.625%
HK$88,973
+HK$4,455/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,036/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,531 · Scale 2, in force from 26 Feb 2026)