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$40,081
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,327
−HK$1,267/mo
Today · 4.125%
HK$42,594
baseline
▲ 0.50% · 4.625%
HK$45,186
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,188/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,589
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,213/mo
Today · 4.125%
HK$46,998
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,996/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,097
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,593
−HK$1,520/mo
Today · 4.125%
HK$51,113
baseline
▲ 0.50% · 4.625%
HK$54,223
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,226/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,507
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,456/mo
Today · 4.125%
HK$56,398
baseline
▲ 0.50% · 4.625%
HK$59,371
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,796/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,113
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,858
−HK$1,774/mo
Today · 4.125%
HK$59,632
baseline
▲ 0.50% · 4.625%
HK$63,260
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,264/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,425
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,099
−HK$1,699/mo
Today · 4.125%
HK$65,798
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,596/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,145
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,389
−HK$2,280/mo
Today · 4.125%
HK$76,669
baseline
▲ 0.50% · 4.625%
HK$81,335
+HK$4,666/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,338/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,261
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,413
−HK$2,184/mo
Today · 4.125%
HK$84,597
baseline
▲ 0.50% · 4.625%
HK$89,056
+HK$4,459/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,194/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,148 · Scale 2, in force from 26 Feb 2026)