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$40,057
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,266/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$45,159
+HK$2,590/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,758
−HK$1,213/mo
Today · 4.125%
HK$46,971
baseline
▲ 0.50% · 4.625%
HK$49,447
+HK$2,476/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,942/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,069
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$49,564
−HK$1,519/mo
Today · 4.125%
HK$51,083
baseline
▲ 0.50% · 4.625%
HK$54,191
+HK$3,108/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$102,166/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,476
−HK$2,889/mo
▼ 0.25% · 3.875%
HK$54,910
−HK$1,455/mo
Today · 4.125%
HK$56,365
baseline
▲ 0.50% · 4.625%
HK$59,336
+HK$2,971/mo
Deposit HK$7.03M · loan HK$10.54M · min. income ≈ HK$112,730/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,080
−HK$3,517/mo
▼ 0.25% · 3.875%
HK$57,824
−HK$1,773/mo
Today · 4.125%
HK$59,597
baseline
▲ 0.50% · 4.625%
HK$63,223
+HK$3,626/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,194/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,389
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$64,062
−HK$1,697/mo
Today · 4.125%
HK$65,759
baseline
▲ 0.50% · 4.625%
HK$69,225
+HK$3,466/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,518/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,103
−HK$4,521/mo
▼ 0.25% · 3.875%
HK$74,346
−HK$2,278/mo
Today · 4.125%
HK$76,624
baseline
▲ 0.50% · 4.625%
HK$81,287
+HK$4,663/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$153,248/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,214
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$82,365
−HK$2,183/mo
Today · 4.125%
HK$84,548
baseline
▲ 0.50% · 4.625%
HK$89,004
+HK$4,456/mo
Deposit HK$1.76M · loan HK$15.81M · min. income ≈ HK$169,096/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$658,762 · Scale 2, in force from 26 Feb 2026)