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$40,038
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,283
−HK$1,265/mo
Today · 4.125%
HK$42,548
baseline
▲ 0.50% · 4.625%
HK$45,137
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,096/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,541
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,736
−HK$1,212/mo
Today · 4.125%
HK$46,948
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,896/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,045
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,518/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$54,165
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,450
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,883
−HK$1,454/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,307
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,053
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,796
−HK$1,772/mo
Today · 4.125%
HK$59,568
baseline
▲ 0.50% · 4.625%
HK$63,192
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,136/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,358
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,030
−HK$1,697/mo
Today · 4.125%
HK$65,727
baseline
▲ 0.50% · 4.625%
HK$69,192
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,454/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,068
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,309
−HK$2,278/mo
Today · 4.125%
HK$76,587
baseline
▲ 0.50% · 4.625%
HK$81,247
+HK$4,660/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,174/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,175
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,325
−HK$2,181/mo
Today · 4.125%
HK$84,506
baseline
▲ 0.50% · 4.625%
HK$88,961
+HK$4,455/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,012/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,440 · Scale 2, in force from 26 Feb 2026)