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$40,052
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,298
−HK$1,266/mo
Today · 4.125%
HK$42,564
baseline
▲ 0.50% · 4.625%
HK$45,154
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,128/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,558
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,753
−HK$1,212/mo
Today · 4.125%
HK$46,965
baseline
▲ 0.50% · 4.625%
HK$49,441
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,930/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,063
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,558
−HK$1,519/mo
Today · 4.125%
HK$51,077
baseline
▲ 0.50% · 4.625%
HK$54,185
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,154/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,470
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,904
−HK$1,454/mo
Today · 4.125%
HK$56,358
baseline
▲ 0.50% · 4.625%
HK$59,329
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,716/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,073
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,818
−HK$1,772/mo
Today · 4.125%
HK$59,590
baseline
▲ 0.50% · 4.625%
HK$63,216
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,180/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,381
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,054
−HK$1,697/mo
Today · 4.125%
HK$65,751
baseline
▲ 0.50% · 4.625%
HK$69,217
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,502/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,094
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,337
−HK$2,278/mo
Today · 4.125%
HK$76,615
baseline
▲ 0.50% · 4.625%
HK$81,277
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,230/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,204
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,355
−HK$2,183/mo
Today · 4.125%
HK$84,538
baseline
▲ 0.50% · 4.625%
HK$88,994
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,076/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,684 · Scale 2, in force from 26 Feb 2026)