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$40,046
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,266/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$45,147
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,745
−HK$1,212/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,433
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,055
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,550
−HK$1,518/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$54,176
+HK$3,108/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,461
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,894
−HK$1,455/mo
Today · 4.125%
HK$56,349
baseline
▲ 0.50% · 4.625%
HK$59,319
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,698/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,064
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,808
−HK$1,772/mo
Today · 4.125%
HK$59,580
baseline
▲ 0.50% · 4.625%
HK$63,205
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,160/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,371
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,696/mo
Today · 4.125%
HK$65,740
baseline
▲ 0.50% · 4.625%
HK$69,206
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,480/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,082
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,325
−HK$2,278/mo
Today · 4.125%
HK$76,603
baseline
▲ 0.50% · 4.625%
HK$81,264
+HK$4,661/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,206/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,191
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,342
−HK$2,181/mo
Today · 4.125%
HK$84,523
baseline
▲ 0.50% · 4.625%
HK$88,979
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,046/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,574 · Scale 2, in force from 26 Feb 2026)