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$40,056
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,302
−HK$1,266/mo
Today · 4.125%
HK$42,568
baseline
▲ 0.50% · 4.625%
HK$45,158
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,136/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,562
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,757
−HK$1,213/mo
Today · 4.125%
HK$46,970
baseline
▲ 0.50% · 4.625%
HK$49,446
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,940/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,068
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,519/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,475
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,909
−HK$1,455/mo
Today · 4.125%
HK$56,364
baseline
▲ 0.50% · 4.625%
HK$59,335
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,728/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,079
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,823
−HK$1,773/mo
Today · 4.125%
HK$59,596
baseline
▲ 0.50% · 4.625%
HK$63,222
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,192/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,387
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,060
−HK$1,698/mo
Today · 4.125%
HK$65,758
baseline
▲ 0.50% · 4.625%
HK$69,224
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,516/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,101
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,344
−HK$2,279/mo
Today · 4.125%
HK$76,623
baseline
▲ 0.50% · 4.625%
HK$81,285
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,246/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,212
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,363
−HK$2,183/mo
Today · 4.125%
HK$84,546
baseline
▲ 0.50% · 4.625%
HK$89,002
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,092/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,748 · Scale 2, in force from 26 Feb 2026)