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$40,086
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,267/mo
Today · 4.125%
HK$42,600
baseline
▲ 0.50% · 4.625%
HK$45,192
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,200/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,596
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,792
−HK$1,213/mo
Today · 4.125%
HK$47,005
baseline
▲ 0.50% · 4.625%
HK$49,483
+HK$2,478/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,010/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,104
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,520/mo
Today · 4.125%
HK$51,120
baseline
▲ 0.50% · 4.625%
HK$54,231
+HK$3,111/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,240/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,515
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,950
−HK$1,456/mo
Today · 4.125%
HK$56,406
baseline
▲ 0.50% · 4.625%
HK$59,379
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,812/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,121
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,867
−HK$1,773/mo
Today · 4.125%
HK$59,640
baseline
▲ 0.50% · 4.625%
HK$63,269
+HK$3,629/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$119,280/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,434
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$64,109
−HK$1,698/mo
Today · 4.125%
HK$65,807
baseline
▲ 0.50% · 4.625%
HK$69,276
+HK$3,469/mo
Deposit HK$5.27M · loan HK$12.31M · min. income ≈ HK$131,614/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,156
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,400
−HK$2,280/mo
Today · 4.125%
HK$76,680
baseline
▲ 0.50% · 4.625%
HK$81,346
+HK$4,666/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,360/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,272
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$82,425
−HK$2,184/mo
Today · 4.125%
HK$84,609
baseline
▲ 0.50% · 4.625%
HK$89,069
+HK$4,460/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,218/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,243 · Scale 2, in force from 26 Feb 2026)