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$40,035
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,281
−HK$1,265/mo
Today · 4.125%
HK$42,546
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,092/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,539
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,212/mo
Today · 4.125%
HK$46,945
baseline
▲ 0.50% · 4.625%
HK$49,420
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,890/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,042
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,537
−HK$1,518/mo
Today · 4.125%
HK$51,055
baseline
▲ 0.50% · 4.625%
HK$54,162
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,110/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,447
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,880
−HK$1,454/mo
Today · 4.125%
HK$56,334
baseline
▲ 0.50% · 4.625%
HK$59,304
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,668/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,049
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,793
−HK$1,771/mo
Today · 4.125%
HK$59,564
baseline
▲ 0.50% · 4.625%
HK$63,188
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,128/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,354
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,027
−HK$1,696/mo
Today · 4.125%
HK$65,723
baseline
▲ 0.50% · 4.625%
HK$69,188
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,446/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,063
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,305
−HK$2,277/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$81,242
+HK$4,660/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,170
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,320
−HK$2,181/mo
Today · 4.125%
HK$84,501
baseline
▲ 0.50% · 4.625%
HK$88,955
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,002/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,401 · Scale 2, in force from 26 Feb 2026)