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$40,044
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,290
−HK$1,266/mo
Today · 4.125%
HK$42,556
baseline
▲ 0.50% · 4.625%
HK$45,145
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,112/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,549
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,744
−HK$1,212/mo
Today · 4.125%
HK$46,956
baseline
▲ 0.50% · 4.625%
HK$49,431
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,912/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,053
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,548
−HK$1,519/mo
Today · 4.125%
HK$51,067
baseline
▲ 0.50% · 4.625%
HK$54,174
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,134/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,459
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,893
−HK$1,454/mo
Today · 4.125%
HK$56,347
baseline
▲ 0.50% · 4.625%
HK$59,317
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,694/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,062
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,806
−HK$1,772/mo
Today · 4.125%
HK$59,578
baseline
▲ 0.50% · 4.625%
HK$63,203
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,156/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,369
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,041
−HK$1,697/mo
Today · 4.125%
HK$65,738
baseline
▲ 0.50% · 4.625%
HK$69,203
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,476/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,080
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,322
−HK$2,278/mo
Today · 4.125%
HK$76,600
baseline
▲ 0.50% · 4.625%
HK$81,261
+HK$4,661/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,200/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,188
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,339
−HK$2,181/mo
Today · 4.125%
HK$84,520
baseline
▲ 0.50% · 4.625%
HK$88,976
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,040/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,551 · Scale 2, in force from 26 Feb 2026)