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$40,049
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,295
−HK$1,266/mo
Today · 4.125%
HK$42,561
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,122/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,554
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,212/mo
Today · 4.125%
HK$46,961
baseline
▲ 0.50% · 4.625%
HK$49,437
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,922/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,059
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,554
−HK$1,519/mo
Today · 4.125%
HK$51,073
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$3,107/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,146/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,465
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,899
−HK$1,455/mo
Today · 4.125%
HK$56,354
baseline
▲ 0.50% · 4.625%
HK$59,324
+HK$2,970/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,708/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,069
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,813
−HK$1,772/mo
Today · 4.125%
HK$59,585
baseline
▲ 0.50% · 4.625%
HK$63,210
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,170/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,376
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,049
−HK$1,697/mo
Today · 4.125%
HK$65,746
baseline
▲ 0.50% · 4.625%
HK$69,212
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,492/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,088
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,331
−HK$2,278/mo
Today · 4.125%
HK$76,609
baseline
▲ 0.50% · 4.625%
HK$81,271
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,218/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,198
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,349
−HK$2,182/mo
Today · 4.125%
HK$84,531
baseline
▲ 0.50% · 4.625%
HK$88,986
+HK$4,455/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,062/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,629 · Scale 2, in force from 26 Feb 2026)