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$40,020
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,265
−HK$1,265/mo
Today · 4.125%
HK$42,530
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,060/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,522
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,716
−HK$1,211/mo
Today · 4.125%
HK$46,927
baseline
▲ 0.50% · 4.625%
HK$49,401
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,854/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,024
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,518
−HK$1,518/mo
Today · 4.125%
HK$51,036
baseline
▲ 0.50% · 4.625%
HK$54,141
+HK$3,105/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,072/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,426
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,859
−HK$1,454/mo
Today · 4.125%
HK$56,313
baseline
▲ 0.50% · 4.625%
HK$59,281
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,626/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,028
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,771
−HK$1,771/mo
Today · 4.125%
HK$59,542
baseline
▲ 0.50% · 4.625%
HK$63,165
+HK$3,623/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,084/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$64,002
−HK$1,696/mo
Today · 4.125%
HK$65,698
baseline
▲ 0.50% · 4.625%
HK$69,161
+HK$3,463/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,396/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,036
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$74,277
−HK$2,276/mo
Today · 4.125%
HK$76,553
baseline
▲ 0.50% · 4.625%
HK$81,212
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,106/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,140
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$82,289
−HK$2,180/mo
Today · 4.125%
HK$84,469
baseline
▲ 0.50% · 4.625%
HK$88,922
+HK$4,453/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,938/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,152 · Scale 2, in force from 26 Feb 2026)