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$40,060
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,306
−HK$1,266/mo
Today · 4.125%
HK$42,572
baseline
▲ 0.50% · 4.625%
HK$45,162
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,144/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,566
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,761
−HK$1,213/mo
Today · 4.125%
HK$46,974
baseline
▲ 0.50% · 4.625%
HK$49,450
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,948/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,072
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,567
−HK$1,519/mo
Today · 4.125%
HK$51,086
baseline
▲ 0.50% · 4.625%
HK$54,195
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,172/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,479
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,914
−HK$1,455/mo
Today · 4.125%
HK$56,369
baseline
▲ 0.50% · 4.625%
HK$59,340
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,738/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,084
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,828
−HK$1,773/mo
Today · 4.125%
HK$59,601
baseline
▲ 0.50% · 4.625%
HK$63,227
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,202/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,393
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,066
−HK$1,698/mo
Today · 4.125%
HK$65,764
baseline
▲ 0.50% · 4.625%
HK$69,230
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,528/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,108
−HK$4,522/mo
▼ 0.25% · 3.875%
HK$74,351
−HK$2,279/mo
Today · 4.125%
HK$76,630
baseline
▲ 0.50% · 4.625%
HK$81,292
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,260/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,219
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,371
−HK$2,182/mo
Today · 4.125%
HK$84,553
baseline
▲ 0.50% · 4.625%
HK$89,010
+HK$4,457/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,106/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,806 · Scale 2, in force from 26 Feb 2026)