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$40,053
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,266/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,212/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,559
−HK$1,519/mo
Today · 4.125%
HK$51,078
baseline
▲ 0.50% · 4.625%
HK$54,186
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,156/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,455/mo
Today · 4.125%
HK$56,360
baseline
▲ 0.50% · 4.625%
HK$59,331
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,720/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,075
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$57,819
−HK$1,772/mo
Today · 4.125%
HK$59,591
baseline
▲ 0.50% · 4.625%
HK$63,217
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,182/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,383
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,697/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,219
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,096
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,339
−HK$2,278/mo
Today · 4.125%
HK$76,617
baseline
▲ 0.50% · 4.625%
HK$81,279
+HK$4,662/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,234/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,206
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,357
−HK$2,183/mo
Today · 4.125%
HK$84,540
baseline
▲ 0.50% · 4.625%
HK$88,996
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,080/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,701 · Scale 2, in force from 26 Feb 2026)