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$40,073
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,319
−HK$1,267/mo
Today · 4.125%
HK$42,586
baseline
▲ 0.50% · 4.625%
HK$45,177
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,172/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,581
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,776
−HK$1,213/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,466
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,087
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,520/mo
Today · 4.125%
HK$51,103
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,206/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,497
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,932
−HK$1,455/mo
Today · 4.125%
HK$56,387
baseline
▲ 0.50% · 4.625%
HK$59,359
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,774/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,102
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,847
−HK$1,773/mo
Today · 4.125%
HK$59,620
baseline
▲ 0.50% · 4.625%
HK$63,248
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,240/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,413
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,087
−HK$1,698/mo
Today · 4.125%
HK$65,785
baseline
▲ 0.50% · 4.625%
HK$69,252
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,570/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,131
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,375
−HK$2,279/mo
Today · 4.125%
HK$76,654
baseline
▲ 0.50% · 4.625%
HK$81,319
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,308/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,245
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,397
−HK$2,184/mo
Today · 4.125%
HK$84,581
baseline
▲ 0.50% · 4.625%
HK$89,039
+HK$4,458/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,162/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,019 · Scale 2, in force from 26 Feb 2026)