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$40,095
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,342
−HK$1,268/mo
Today · 4.125%
HK$42,610
baseline
▲ 0.50% · 4.625%
HK$45,202
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,220/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,605
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,802
−HK$1,213/mo
Today · 4.125%
HK$47,015
baseline
▲ 0.50% · 4.625%
HK$49,494
+HK$2,479/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,030/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,114
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,611
−HK$1,520/mo
Today · 4.125%
HK$51,131
baseline
▲ 0.50% · 4.625%
HK$54,243
+HK$3,112/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,262/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,527
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,962
−HK$1,456/mo
Today · 4.125%
HK$56,418
baseline
▲ 0.50% · 4.625%
HK$59,392
+HK$2,974/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,836/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,133
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,879
−HK$1,774/mo
Today · 4.125%
HK$59,653
baseline
▲ 0.50% · 4.625%
HK$63,283
+HK$3,630/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,306/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,448
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,123
−HK$1,699/mo
Today · 4.125%
HK$65,822
baseline
▲ 0.50% · 4.625%
HK$69,291
+HK$3,469/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,644/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,171
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,416
−HK$2,281/mo
Today · 4.125%
HK$76,697
baseline
▲ 0.50% · 4.625%
HK$81,364
+HK$4,667/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,394/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,290
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,443
−HK$2,185/mo
Today · 4.125%
HK$84,628
baseline
▲ 0.50% · 4.625%
HK$89,089
+HK$4,461/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,256/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,387 · Scale 2, in force from 26 Feb 2026)