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$40,032
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,265/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$45,131
+HK$2,588/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,730
−HK$1,212/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,416
+HK$2,474/mo
Deposit HK$8.78M · loan HK$8.78M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,039
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$49,533
−HK$1,518/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$54,158
+HK$3,107/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,443
−HK$2,887/mo
▼ 0.25% · 3.875%
HK$54,876
−HK$1,454/mo
Today · 4.125%
HK$56,330
baseline
▲ 0.50% · 4.625%
HK$59,299
+HK$2,969/mo
Deposit HK$7.02M · loan HK$10.53M · min. income ≈ HK$112,660/mo (50% DSR)
Upfront cash ≈ HK$7.68M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,045
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$57,789
−HK$1,771/mo
Today · 4.125%
HK$59,560
baseline
▲ 0.50% · 4.625%
HK$63,184
+HK$3,624/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$119,120/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,350
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$64,022
−HK$1,696/mo
Today · 4.125%
HK$65,718
baseline
▲ 0.50% · 4.625%
HK$69,183
+HK$3,465/mo
Deposit HK$5.27M · loan HK$12.29M · min. income ≈ HK$131,436/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,058
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$74,300
−HK$2,277/mo
Today · 4.125%
HK$76,577
baseline
▲ 0.50% · 4.625%
HK$81,236
+HK$4,659/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$153,154/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,164
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$82,314
−HK$2,181/mo
Today · 4.125%
HK$84,495
baseline
▲ 0.50% · 4.625%
HK$88,949
+HK$4,454/mo
Deposit HK$1.76M · loan HK$15.80M · min. income ≈ HK$168,990/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$658,354 · Scale 2, in force from 26 Feb 2026)