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$40,038
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,283
−HK$1,266/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$45,138
+HK$2,589/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,542
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,736
−HK$1,212/mo
Today · 4.125%
HK$46,948
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,475/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,896/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,046
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,518/mo
Today · 4.125%
HK$51,058
baseline
▲ 0.50% · 4.625%
HK$54,165
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$102,116/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,450
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,454/mo
Today · 4.125%
HK$56,338
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$2,970/mo
Deposit HK$7.02M · loan HK$10.54M · min. income ≈ HK$112,676/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,053
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,797
−HK$1,771/mo
Today · 4.125%
HK$59,568
baseline
▲ 0.50% · 4.625%
HK$63,193
+HK$3,625/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,136/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,359
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,697/mo
Today · 4.125%
HK$65,728
baseline
▲ 0.50% · 4.625%
HK$69,192
+HK$3,464/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,456/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,068
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$74,310
−HK$2,278/mo
Today · 4.125%
HK$76,588
baseline
▲ 0.50% · 4.625%
HK$81,248
+HK$4,660/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,176/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,175
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$82,325
−HK$2,182/mo
Today · 4.125%
HK$84,507
baseline
▲ 0.50% · 4.625%
HK$88,961
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$169,014/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,445 · Scale 2, in force from 26 Feb 2026)