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$40,072
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,319
−HK$1,266/mo
Today · 4.125%
HK$42,585
baseline
▲ 0.50% · 4.625%
HK$45,176
+HK$2,591/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,170/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,580
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,776
−HK$1,213/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,465
+HK$2,476/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,087
−HK$3,015/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,519/mo
Today · 4.125%
HK$51,102
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$3,110/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,204/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,496
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,931
−HK$1,455/mo
Today · 4.125%
HK$56,386
baseline
▲ 0.50% · 4.625%
HK$59,358
+HK$2,972/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,772/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,101
−HK$3,518/mo
▼ 0.25% · 3.875%
HK$57,846
−HK$1,773/mo
Today · 4.125%
HK$59,619
baseline
▲ 0.50% · 4.625%
HK$63,247
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,238/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,412
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,698/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,252
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,130
−HK$4,523/mo
▼ 0.25% · 3.875%
HK$74,374
−HK$2,279/mo
Today · 4.125%
HK$76,653
baseline
▲ 0.50% · 4.625%
HK$81,318
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,306/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,244
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,396
−HK$2,183/mo
Today · 4.125%
HK$84,579
baseline
▲ 0.50% · 4.625%
HK$89,038
+HK$4,459/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,158/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,010 · Scale 2, in force from 26 Feb 2026)