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$40,097
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,345
−HK$1,267/mo
Today · 4.125%
HK$42,612
baseline
▲ 0.50% · 4.625%
HK$45,205
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,224/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,214/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,496
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,117
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,614
−HK$1,520/mo
Today · 4.125%
HK$51,134
baseline
▲ 0.50% · 4.625%
HK$54,246
+HK$3,112/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,268/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,530
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,965
−HK$1,457/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,396
+HK$2,974/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,136
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,882
−HK$1,775/mo
Today · 4.125%
HK$59,657
baseline
▲ 0.50% · 4.625%
HK$63,287
+HK$3,630/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,314/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,451
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,126
−HK$1,699/mo
Today · 4.125%
HK$65,825
baseline
▲ 0.50% · 4.625%
HK$69,295
+HK$3,470/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,650/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,175
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,420
−HK$2,281/mo
Today · 4.125%
HK$76,701
baseline
▲ 0.50% · 4.625%
HK$81,368
+HK$4,667/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,402/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,294
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,448
−HK$2,184/mo
Today · 4.125%
HK$84,632
baseline
▲ 0.50% · 4.625%
HK$89,093
+HK$4,461/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,264/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,423 · Scale 2, in force from 26 Feb 2026)