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$40,079
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,326
−HK$1,266/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$45,184
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,587
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,213/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,473
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,095
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,520/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$54,221
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,505
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,940
−HK$1,455/mo
Today · 4.125%
HK$56,395
baseline
▲ 0.50% · 4.625%
HK$59,368
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,790/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,110
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,856
−HK$1,773/mo
Today · 4.125%
HK$59,629
baseline
▲ 0.50% · 4.625%
HK$63,257
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,258/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,422
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,699/mo
Today · 4.125%
HK$65,795
baseline
▲ 0.50% · 4.625%
HK$69,263
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,590/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,142
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,386
−HK$2,280/mo
Today · 4.125%
HK$76,666
baseline
▲ 0.50% · 4.625%
HK$81,331
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,332/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,257
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$82,410
−HK$2,183/mo
Today · 4.125%
HK$84,593
baseline
▲ 0.50% · 4.625%
HK$89,052
+HK$4,459/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,186/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,118 · Scale 2, in force from 26 Feb 2026)