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$40,091
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,338
−HK$1,267/mo
Today · 4.125%
HK$42,605
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,210/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,601
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,797
−HK$1,214/mo
Today · 4.125%
HK$47,011
baseline
▲ 0.50% · 4.625%
HK$49,489
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,022/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,109
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,606
−HK$1,520/mo
Today · 4.125%
HK$51,126
baseline
▲ 0.50% · 4.625%
HK$54,237
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,252/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,521
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,457/mo
Today · 4.125%
HK$56,413
baseline
▲ 0.50% · 4.625%
HK$59,386
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,826/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,127
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,873
−HK$1,774/mo
Today · 4.125%
HK$59,647
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,630/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$119,294/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,441
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,116
−HK$1,699/mo
Today · 4.125%
HK$65,815
baseline
▲ 0.50% · 4.625%
HK$69,284
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$131,630/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,164
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,409
−HK$2,280/mo
Today · 4.125%
HK$76,689
baseline
▲ 0.50% · 4.625%
HK$81,356
+HK$4,667/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,378/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,282
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,435
−HK$2,184/mo
Today · 4.125%
HK$84,619
baseline
▲ 0.50% · 4.625%
HK$89,079
+HK$4,460/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,238/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,318 · Scale 2, in force from 26 Feb 2026)