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$40,046
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,292
−HK$1,266/mo
Today · 4.125%
HK$42,558
baseline
▲ 0.50% · 4.625%
HK$45,147
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,116/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,551
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,746
−HK$1,212/mo
Today · 4.125%
HK$46,958
baseline
▲ 0.50% · 4.625%
HK$49,433
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,916/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,056
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$49,550
−HK$1,519/mo
Today · 4.125%
HK$51,069
baseline
▲ 0.50% · 4.625%
HK$54,176
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,138/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,461
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,895
−HK$1,455/mo
Today · 4.125%
HK$56,350
baseline
▲ 0.50% · 4.625%
HK$59,320
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,700/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,065
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,809
−HK$1,772/mo
Today · 4.125%
HK$59,581
baseline
▲ 0.50% · 4.625%
HK$63,206
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,162/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,372
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,697/mo
Today · 4.125%
HK$65,741
baseline
▲ 0.50% · 4.625%
HK$69,207
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,482/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,083
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,326
−HK$2,278/mo
Today · 4.125%
HK$76,604
baseline
▲ 0.50% · 4.625%
HK$81,265
+HK$4,661/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,208/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,192
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,343
−HK$2,181/mo
Today · 4.125%
HK$84,524
baseline
▲ 0.50% · 4.625%
HK$88,980
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,048/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,583 · Scale 2, in force from 26 Feb 2026)