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$40,078
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,266/mo
Today · 4.125%
HK$42,591
baseline
▲ 0.50% · 4.625%
HK$45,183
+HK$2,592/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,182/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,586
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,782
−HK$1,213/mo
Today · 4.125%
HK$46,995
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,477/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$93,990/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,094
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,590
−HK$1,520/mo
Today · 4.125%
HK$51,110
baseline
▲ 0.50% · 4.625%
HK$54,219
+HK$3,109/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$102,220/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,504
−HK$2,890/mo
▼ 0.25% · 3.875%
HK$54,939
−HK$1,455/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,367
+HK$2,973/mo
Deposit HK$7.03M · loan HK$10.55M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$7.69M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,109
−HK$3,519/mo
▼ 0.25% · 3.875%
HK$57,855
−HK$1,773/mo
Today · 4.125%
HK$59,628
baseline
▲ 0.50% · 4.625%
HK$63,256
+HK$3,628/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$119,256/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,421
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$64,095
−HK$1,698/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,261
+HK$3,468/mo
Deposit HK$5.27M · loan HK$12.30M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,140
−HK$4,524/mo
▼ 0.25% · 3.875%
HK$74,384
−HK$2,280/mo
Today · 4.125%
HK$76,664
baseline
▲ 0.50% · 4.625%
HK$81,329
+HK$4,665/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$153,328/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,256
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$82,408
−HK$2,183/mo
Today · 4.125%
HK$84,591
baseline
▲ 0.50% · 4.625%
HK$89,050
+HK$4,459/mo
Deposit HK$1.76M · loan HK$15.82M · min. income ≈ HK$169,182/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,104 · Scale 2, in force from 26 Feb 2026)