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$40,011
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,264/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$45,107
+HK$2,587/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,706
−HK$1,211/mo
Today · 4.125%
HK$46,917
baseline
▲ 0.50% · 4.625%
HK$49,390
+HK$2,473/mo
Deposit HK$8.77M · loan HK$8.77M · min. income ≈ HK$93,834/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,517/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,414
−HK$2,886/mo
▼ 0.25% · 3.875%
HK$54,847
−HK$1,453/mo
Today · 4.125%
HK$56,300
baseline
▲ 0.50% · 4.625%
HK$59,268
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,600/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,015
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$57,758
−HK$1,770/mo
Today · 4.125%
HK$59,528
baseline
▲ 0.50% · 4.625%
HK$63,150
+HK$3,622/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$119,056/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,317
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$63,988
−HK$1,695/mo
Today · 4.125%
HK$65,683
baseline
▲ 0.50% · 4.625%
HK$69,146
+HK$3,463/mo
Deposit HK$5.26M · loan HK$12.28M · min. income ≈ HK$131,366/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,020
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$74,260
−HK$2,276/mo
Today · 4.125%
HK$76,536
baseline
▲ 0.50% · 4.625%
HK$81,193
+HK$4,657/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$153,072/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,121
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,270
−HK$2,180/mo
Today · 4.125%
HK$84,450
baseline
▲ 0.50% · 4.625%
HK$88,902
+HK$4,452/mo
Deposit HK$1.75M · loan HK$15.79M · min. income ≈ HK$168,900/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,003 · Scale 2, in force from 26 Feb 2026)