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$40,093
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,340
−HK$1,267/mo
Today · 4.125%
HK$42,607
baseline
▲ 0.50% · 4.625%
HK$45,200
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,214/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,603
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,799
−HK$1,214/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,491
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,111
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,608
−HK$1,520/mo
Today · 4.125%
HK$51,128
baseline
▲ 0.50% · 4.625%
HK$54,239
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,256/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,523
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,456/mo
Today · 4.125%
HK$56,415
baseline
▲ 0.50% · 4.625%
HK$59,389
+HK$2,974/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,830/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,130
−HK$3,520/mo
▼ 0.25% · 3.875%
HK$57,876
−HK$1,774/mo
Today · 4.125%
HK$59,650
baseline
▲ 0.50% · 4.625%
HK$63,279
+HK$3,629/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$119,300/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,444
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$64,119
−HK$1,699/mo
Today · 4.125%
HK$65,818
baseline
▲ 0.50% · 4.625%
HK$69,287
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$131,636/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,167
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$74,412
−HK$2,281/mo
Today · 4.125%
HK$76,693
baseline
▲ 0.50% · 4.625%
HK$81,359
+HK$4,666/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,386/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,285
−HK$4,338/mo
▼ 0.25% · 3.875%
HK$82,438
−HK$2,185/mo
Today · 4.125%
HK$84,623
baseline
▲ 0.50% · 4.625%
HK$89,083
+HK$4,460/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,246/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,348 · Scale 2, in force from 26 Feb 2026)