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$40,035
−HK$2,510/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,538
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,211/mo
Today · 4.125%
HK$46,944
baseline
▲ 0.50% · 4.625%
HK$49,419
+HK$2,475/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,042
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,536
−HK$1,518/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$54,161
+HK$3,107/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,446
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,879
−HK$1,454/mo
Today · 4.125%
HK$56,333
baseline
▲ 0.50% · 4.625%
HK$59,303
+HK$2,970/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,049
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,792
−HK$1,771/mo
Today · 4.125%
HK$59,563
baseline
▲ 0.50% · 4.625%
HK$63,188
+HK$3,625/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,353
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,026
−HK$1,696/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,062
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,304
−HK$2,277/mo
Today · 4.125%
HK$76,581
baseline
▲ 0.50% · 4.625%
HK$81,241
+HK$4,660/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$658,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,169
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,319
−HK$2,181/mo
Today · 4.125%
HK$84,500
baseline
▲ 0.50% · 4.625%
HK$88,954
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,000/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,391 · Scale 2, in force from 26 Feb 2026)