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$40,025
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,270
−HK$1,265/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,527
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,211/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,407
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,030
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,524
−HK$1,518/mo
Today · 4.125%
HK$51,042
baseline
▲ 0.50% · 4.625%
HK$54,148
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,084/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,433
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,866
−HK$1,454/mo
Today · 4.125%
HK$56,320
baseline
▲ 0.50% · 4.625%
HK$59,288
+HK$2,968/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,640/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,035
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$57,778
−HK$1,771/mo
Today · 4.125%
HK$59,549
baseline
▲ 0.50% · 4.625%
HK$63,172
+HK$3,623/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,098/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,338
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,010
−HK$1,696/mo
Today · 4.125%
HK$65,706
baseline
▲ 0.50% · 4.625%
HK$69,170
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,412/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,045
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$74,286
−HK$2,277/mo
Today · 4.125%
HK$76,563
baseline
▲ 0.50% · 4.625%
HK$81,222
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,126/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,149
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,299
−HK$2,181/mo
Today · 4.125%
HK$84,480
baseline
▲ 0.50% · 4.625%
HK$88,933
+HK$4,453/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,960/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,233 · Scale 2, in force from 26 Feb 2026)