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$40,102
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,267/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$45,209
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,613
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,214/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,502
+HK$2,479/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,122
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,619
−HK$1,521/mo
Today · 4.125%
HK$51,140
baseline
▲ 0.50% · 4.625%
HK$54,251
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,280/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,535
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,971
−HK$1,456/mo
Today · 4.125%
HK$56,427
baseline
▲ 0.50% · 4.625%
HK$59,402
+HK$2,975/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,854/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,142
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,889
−HK$1,774/mo
Today · 4.125%
HK$59,663
baseline
▲ 0.50% · 4.625%
HK$63,293
+HK$3,630/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,326/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,458
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,133
−HK$1,699/mo
Today · 4.125%
HK$65,832
baseline
▲ 0.50% · 4.625%
HK$69,302
+HK$3,470/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,664/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,183
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,428
−HK$2,281/mo
Today · 4.125%
HK$76,709
baseline
▲ 0.50% · 4.625%
HK$81,377
+HK$4,668/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,418/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,303
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,456
−HK$2,185/mo
Today · 4.125%
HK$84,641
baseline
▲ 0.50% · 4.625%
HK$89,103
+HK$4,462/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,282/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,492 · Scale 2, in force from 26 Feb 2026)