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$40,051
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,266/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$45,152
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,556
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,751
−HK$1,213/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,439
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,061
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,519/mo
Today · 4.125%
HK$51,075
baseline
▲ 0.50% · 4.625%
HK$54,183
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,150/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,468
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,902
−HK$1,454/mo
Today · 4.125%
HK$56,356
baseline
▲ 0.50% · 4.625%
HK$59,327
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,712/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,071
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,816
−HK$1,772/mo
Today · 4.125%
HK$59,588
baseline
▲ 0.50% · 4.625%
HK$63,213
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,176/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,379
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,052
−HK$1,697/mo
Today · 4.125%
HK$65,749
baseline
▲ 0.50% · 4.625%
HK$69,215
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,498/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,092
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,334
−HK$2,279/mo
Today · 4.125%
HK$76,613
baseline
▲ 0.50% · 4.625%
HK$81,274
+HK$4,661/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,226/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,202
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,352
−HK$2,183/mo
Today · 4.125%
HK$84,535
baseline
▲ 0.50% · 4.625%
HK$88,990
+HK$4,455/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,070/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,661 · Scale 2, in force from 26 Feb 2026)