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$40,017
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,262
−HK$1,264/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,588/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,518
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,712
−HK$1,212/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,397
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,020
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,514
−HK$1,518/mo
Today · 4.125%
HK$51,032
baseline
▲ 0.50% · 4.625%
HK$54,137
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,064/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,422
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,855
−HK$1,453/mo
Today · 4.125%
HK$56,308
baseline
▲ 0.50% · 4.625%
HK$59,276
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,616/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,024
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,766
−HK$1,771/mo
Today · 4.125%
HK$59,537
baseline
▲ 0.50% · 4.625%
HK$63,159
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,074/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,326
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$63,997
−HK$1,696/mo
Today · 4.125%
HK$65,693
baseline
▲ 0.50% · 4.625%
HK$69,156
+HK$3,463/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,386/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,030
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,271
−HK$2,276/mo
Today · 4.125%
HK$76,547
baseline
▲ 0.50% · 4.625%
HK$81,205
+HK$4,658/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,094/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,133
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,282
−HK$2,180/mo
Today · 4.125%
HK$84,462
baseline
▲ 0.50% · 4.625%
HK$88,914
+HK$4,452/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,924/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,098 · Scale 2, in force from 26 Feb 2026)