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$40,030
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,275
−HK$1,265/mo
Today · 4.125%
HK$42,540
baseline
▲ 0.50% · 4.625%
HK$45,128
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,080/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,533
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,727
−HK$1,211/mo
Today · 4.125%
HK$46,938
baseline
▲ 0.50% · 4.625%
HK$49,413
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,876/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,036
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,530
−HK$1,518/mo
Today · 4.125%
HK$51,048
baseline
▲ 0.50% · 4.625%
HK$54,154
+HK$3,106/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,096/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,439
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,454/mo
Today · 4.125%
HK$56,326
baseline
▲ 0.50% · 4.625%
HK$59,295
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,652/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,041
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,785
−HK$1,771/mo
Today · 4.125%
HK$59,556
baseline
▲ 0.50% · 4.625%
HK$63,180
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,112/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,346
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,018
−HK$1,696/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,178
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,053
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,295
−HK$2,277/mo
Today · 4.125%
HK$76,572
baseline
▲ 0.50% · 4.625%
HK$81,231
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,144/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,159
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$82,308
−HK$2,181/mo
Today · 4.125%
HK$84,489
baseline
▲ 0.50% · 4.625%
HK$88,943
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,978/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,308 · Scale 2, in force from 26 Feb 2026)