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$40,022
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,265/mo
Today · 4.125%
HK$42,532
baseline
▲ 0.50% · 4.625%
HK$45,120
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,064/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,524
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,211/mo
Today · 4.125%
HK$46,930
baseline
▲ 0.50% · 4.625%
HK$49,404
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,860/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,027
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,521
−HK$1,518/mo
Today · 4.125%
HK$51,039
baseline
▲ 0.50% · 4.625%
HK$54,144
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,078/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,429
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,862
−HK$1,454/mo
Today · 4.125%
HK$56,316
baseline
▲ 0.50% · 4.625%
HK$59,284
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,632/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,031
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,774
−HK$1,771/mo
Today · 4.125%
HK$59,545
baseline
▲ 0.50% · 4.625%
HK$63,168
+HK$3,623/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,090/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,334
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,006
−HK$1,696/mo
Today · 4.125%
HK$65,702
baseline
▲ 0.50% · 4.625%
HK$69,165
+HK$3,463/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,404/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,040
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,281
−HK$2,277/mo
Today · 4.125%
HK$76,558
baseline
▲ 0.50% · 4.625%
HK$81,216
+HK$4,658/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,116/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,144
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,293
−HK$2,181/mo
Today · 4.125%
HK$84,474
baseline
▲ 0.50% · 4.625%
HK$88,927
+HK$4,453/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,948/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,189 · Scale 2, in force from 26 Feb 2026)