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$40,055
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,301
−HK$1,266/mo
Today · 4.125%
HK$42,567
baseline
▲ 0.50% · 4.625%
HK$45,157
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,134/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,561
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,756
−HK$1,212/mo
Today · 4.125%
HK$46,968
baseline
▲ 0.50% · 4.625%
HK$49,444
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,936/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,066
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,561
−HK$1,519/mo
Today · 4.125%
HK$51,080
baseline
▲ 0.50% · 4.625%
HK$54,188
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,160/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,473
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,907
−HK$1,455/mo
Today · 4.125%
HK$56,362
baseline
▲ 0.50% · 4.625%
HK$59,333
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,724/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,077
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,821
−HK$1,772/mo
Today · 4.125%
HK$59,593
baseline
▲ 0.50% · 4.625%
HK$63,219
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,186/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,385
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,058
−HK$1,697/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,221
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,099
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,341
−HK$2,279/mo
Today · 4.125%
HK$76,620
baseline
▲ 0.50% · 4.625%
HK$81,282
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,240/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,209
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$82,360
−HK$2,182/mo
Today · 4.125%
HK$84,542
baseline
▲ 0.50% · 4.625%
HK$88,999
+HK$4,457/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,084/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,723 · Scale 2, in force from 26 Feb 2026)