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$40,092
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,267/mo
Today · 4.125%
HK$42,606
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,212/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,798
−HK$1,213/mo
Today · 4.125%
HK$47,011
baseline
▲ 0.50% · 4.625%
HK$49,489
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,022/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,110
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,606
−HK$1,521/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,522
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,957
−HK$1,456/mo
Today · 4.125%
HK$56,413
baseline
▲ 0.50% · 4.625%
HK$59,387
+HK$2,974/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,826/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,128
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,874
−HK$1,774/mo
Today · 4.125%
HK$59,648
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,629/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$119,296/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,442
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,117
−HK$1,699/mo
Today · 4.125%
HK$65,816
baseline
▲ 0.50% · 4.625%
HK$69,285
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$131,632/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,165
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,410
−HK$2,280/mo
Today · 4.125%
HK$76,690
baseline
▲ 0.50% · 4.625%
HK$81,357
+HK$4,667/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,380/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,283
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,436
−HK$2,184/mo
Today · 4.125%
HK$84,620
baseline
▲ 0.50% · 4.625%
HK$89,081
+HK$4,461/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,240/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,328 · Scale 2, in force from 26 Feb 2026)