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$40,034
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,280
−HK$1,265/mo
Today · 4.125%
HK$42,545
baseline
▲ 0.50% · 4.625%
HK$45,134
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,090/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,732
−HK$1,212/mo
Today · 4.125%
HK$46,944
baseline
▲ 0.50% · 4.625%
HK$49,418
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,888/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,041
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,535
−HK$1,519/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$54,160
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,108/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,445
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,879
−HK$1,454/mo
Today · 4.125%
HK$56,333
baseline
▲ 0.50% · 4.625%
HK$59,302
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,666/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,048
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,791
−HK$1,772/mo
Today · 4.125%
HK$59,563
baseline
▲ 0.50% · 4.625%
HK$63,187
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,126/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,353
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,025
−HK$1,697/mo
Today · 4.125%
HK$65,722
baseline
▲ 0.50% · 4.625%
HK$69,186
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,444/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,062
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,303
−HK$2,278/mo
Today · 4.125%
HK$76,581
baseline
▲ 0.50% · 4.625%
HK$81,240
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,162/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,168
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,318
−HK$2,181/mo
Today · 4.125%
HK$84,499
baseline
▲ 0.50% · 4.625%
HK$88,953
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,998/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,385 · Scale 2, in force from 26 Feb 2026)