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$40,107
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,354
−HK$1,268/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$45,215
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,618
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,815
−HK$1,214/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,508
+HK$2,479/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,128
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,625
−HK$1,521/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$54,258
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,978
−HK$1,457/mo
Today · 4.125%
HK$56,435
baseline
▲ 0.50% · 4.625%
HK$59,409
+HK$2,974/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,870/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,149
−HK$3,521/mo
▼ 0.25% · 3.875%
HK$57,896
−HK$1,774/mo
Today · 4.125%
HK$59,670
baseline
▲ 0.50% · 4.625%
HK$63,301
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,340/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,141
−HK$1,699/mo
Today · 4.125%
HK$65,840
baseline
▲ 0.50% · 4.625%
HK$69,311
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,680/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,192
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$74,438
−HK$2,281/mo
Today · 4.125%
HK$76,719
baseline
▲ 0.50% · 4.625%
HK$81,387
+HK$4,668/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,438/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,313
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,467
−HK$2,185/mo
Today · 4.125%
HK$84,652
baseline
▲ 0.50% · 4.625%
HK$89,114
+HK$4,462/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,304/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,576 · Scale 2, in force from 26 Feb 2026)