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$40,069
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,315
−HK$1,267/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$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,576
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,772
−HK$1,213/mo
Today · 4.125%
HK$46,985
baseline
▲ 0.50% · 4.625%
HK$49,461
+HK$2,476/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$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,083
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,578
−HK$1,520/mo
Today · 4.125%
HK$51,098
baseline
▲ 0.50% · 4.625%
HK$54,207
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,196/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,492
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,926
−HK$1,456/mo
Today · 4.125%
HK$56,382
baseline
▲ 0.50% · 4.625%
HK$59,354
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,764/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,097
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,841
−HK$1,773/mo
Today · 4.125%
HK$59,614
baseline
▲ 0.50% · 4.625%
HK$63,242
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,228/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,407
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,081
−HK$1,698/mo
Today · 4.125%
HK$65,779
baseline
▲ 0.50% · 4.625%
HK$69,246
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,558/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,124
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,368
−HK$2,279/mo
Today · 4.125%
HK$76,647
baseline
▲ 0.50% · 4.625%
HK$81,311
+HK$4,664/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,294/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,237
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,389
−HK$2,183/mo
Today · 4.125%
HK$84,572
baseline
▲ 0.50% · 4.625%
HK$89,030
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,144/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,956 · Scale 2, in force from 26 Feb 2026)