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$40,049
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,266/mo
Today · 4.125%
HK$42,560
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,120/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,554
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,212/mo
Today · 4.125%
HK$46,961
baseline
▲ 0.50% · 4.625%
HK$49,436
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,922/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,058
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,553
−HK$1,519/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,464
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,455/mo
Today · 4.125%
HK$56,353
baseline
▲ 0.50% · 4.625%
HK$59,323
+HK$2,970/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,706/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,068
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,812
−HK$1,772/mo
Today · 4.125%
HK$59,584
baseline
▲ 0.50% · 4.625%
HK$63,210
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,168/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,375
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,048
−HK$1,697/mo
Today · 4.125%
HK$65,745
baseline
▲ 0.50% · 4.625%
HK$69,211
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,490/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,087
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,330
−HK$2,278/mo
Today · 4.125%
HK$76,608
baseline
▲ 0.50% · 4.625%
HK$81,269
+HK$4,661/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,216/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,197
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,347
−HK$2,182/mo
Today · 4.125%
HK$84,529
baseline
▲ 0.50% · 4.625%
HK$88,985
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,058/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,620 · Scale 2, in force from 26 Feb 2026)