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$40,061
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,307
−HK$1,266/mo
Today · 4.125%
HK$42,573
baseline
▲ 0.50% · 4.625%
HK$45,164
+HK$2,591/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,146/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,568
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,763
−HK$1,212/mo
Today · 4.125%
HK$46,975
baseline
▲ 0.50% · 4.625%
HK$49,452
+HK$2,477/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,950/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,073
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,569
−HK$1,519/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$54,197
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,176/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,481
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,915
−HK$1,456/mo
Today · 4.125%
HK$56,371
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,742/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,086
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,830
−HK$1,773/mo
Today · 4.125%
HK$59,603
baseline
▲ 0.50% · 4.625%
HK$63,229
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,206/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,395
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,068
−HK$1,698/mo
Today · 4.125%
HK$65,766
baseline
▲ 0.50% · 4.625%
HK$69,232
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,532/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,110
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,353
−HK$2,279/mo
Today · 4.125%
HK$76,632
baseline
▲ 0.50% · 4.625%
HK$81,295
+HK$4,663/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,264/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,222
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,373
−HK$2,183/mo
Today · 4.125%
HK$84,556
baseline
▲ 0.50% · 4.625%
HK$89,013
+HK$4,457/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,112/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,826 · Scale 2, in force from 26 Feb 2026)