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$40,050
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,266/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,555
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,750
−HK$1,213/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,438
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,926/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,060
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,555
−HK$1,519/mo
Today · 4.125%
HK$51,074
baseline
▲ 0.50% · 4.625%
HK$54,182
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,148/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,467
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,900
−HK$1,455/mo
Today · 4.125%
HK$56,355
baseline
▲ 0.50% · 4.625%
HK$59,326
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,710/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,070
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,814
−HK$1,772/mo
Today · 4.125%
HK$59,586
baseline
▲ 0.50% · 4.625%
HK$63,212
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,172/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,378
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,051
−HK$1,697/mo
Today · 4.125%
HK$65,748
baseline
▲ 0.50% · 4.625%
HK$69,213
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,496/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,090
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,333
−HK$2,278/mo
Today · 4.125%
HK$76,611
baseline
▲ 0.50% · 4.625%
HK$81,273
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,222/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,200
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,351
−HK$2,182/mo
Today · 4.125%
HK$84,533
baseline
▲ 0.50% · 4.625%
HK$88,989
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,066/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,647 · Scale 2, in force from 26 Feb 2026)