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$40,058
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,304
−HK$1,266/mo
Today · 4.125%
HK$42,570
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,140/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,564
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,759
−HK$1,213/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,448
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,070
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,565
−HK$1,519/mo
Today · 4.125%
HK$51,084
baseline
▲ 0.50% · 4.625%
HK$54,192
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,168/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,477
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,911
−HK$1,455/mo
Today · 4.125%
HK$56,366
baseline
▲ 0.50% · 4.625%
HK$59,337
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,732/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,081
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,826
−HK$1,772/mo
Today · 4.125%
HK$59,598
baseline
▲ 0.50% · 4.625%
HK$63,225
+HK$3,627/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,196/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,390
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$64,063
−HK$1,698/mo
Today · 4.125%
HK$65,761
baseline
▲ 0.50% · 4.625%
HK$69,227
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,522/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,105
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,347
−HK$2,279/mo
Today · 4.125%
HK$76,626
baseline
▲ 0.50% · 4.625%
HK$81,289
+HK$4,663/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,252/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,216
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,367
−HK$2,182/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,006
+HK$4,457/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,776 · Scale 2, in force from 26 Feb 2026)