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$40,082
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,329
−HK$1,266/mo
Today · 4.125%
HK$42,595
baseline
▲ 0.50% · 4.625%
HK$45,187
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,190/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,591
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,787
−HK$1,213/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,477
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,098
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,594
−HK$1,520/mo
Today · 4.125%
HK$51,114
baseline
▲ 0.50% · 4.625%
HK$54,225
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,228/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,509
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,944
−HK$1,456/mo
Today · 4.125%
HK$56,400
baseline
▲ 0.50% · 4.625%
HK$59,373
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,800/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,115
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,860
−HK$1,773/mo
Today · 4.125%
HK$59,633
baseline
▲ 0.50% · 4.625%
HK$63,262
+HK$3,629/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,266/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,427
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,101
−HK$1,699/mo
Today · 4.125%
HK$65,800
baseline
▲ 0.50% · 4.625%
HK$69,268
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,600/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,147
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$74,392
−HK$2,280/mo
Today · 4.125%
HK$76,672
baseline
▲ 0.50% · 4.625%
HK$81,337
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,344/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,263
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,416
−HK$2,184/mo
Today · 4.125%
HK$84,600
baseline
▲ 0.50% · 4.625%
HK$89,059
+HK$4,459/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,200/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,167 · Scale 2, in force from 26 Feb 2026)