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$45,163
+HK$2,590/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$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,567
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,763
−HK$1,212/mo
Today · 4.125%
HK$46,975
baseline
▲ 0.50% · 4.625%
HK$49,451
+HK$2,476/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$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,073
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,568
−HK$1,520/mo
Today · 4.125%
HK$51,088
baseline
▲ 0.50% · 4.625%
HK$54,196
+HK$3,108/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$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,481
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,915
−HK$1,455/mo
Today · 4.125%
HK$56,370
baseline
▲ 0.50% · 4.625%
HK$59,342
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,740/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,085
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,830
−HK$1,772/mo
Today · 4.125%
HK$59,602
baseline
▲ 0.50% · 4.625%
HK$63,229
+HK$3,627/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,204/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,394
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,068
−HK$1,697/mo
Today · 4.125%
HK$65,765
baseline
▲ 0.50% · 4.625%
HK$69,232
+HK$3,467/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,530/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,110
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,353
−HK$2,278/mo
Today · 4.125%
HK$76,631
baseline
▲ 0.50% · 4.625%
HK$81,294
+HK$4,663/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,262/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,221
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,373
−HK$2,182/mo
Today · 4.125%
HK$84,555
baseline
▲ 0.50% · 4.625%
HK$89,012
+HK$4,457/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,110/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,822 · Scale 2, in force from 26 Feb 2026)