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$40,110
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,357
−HK$1,268/mo
Today · 4.125%
HK$42,625
baseline
▲ 0.50% · 4.625%
HK$45,218
+HK$2,593/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$85,250/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,818
−HK$1,214/mo
Today · 4.125%
HK$47,032
baseline
▲ 0.50% · 4.625%
HK$49,511
+HK$2,479/mo
Deposit HK$8.79M · loan HK$8.79M · min. income ≈ HK$94,064/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,132
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,629
−HK$1,521/mo
Today · 4.125%
HK$51,150
baseline
▲ 0.50% · 4.625%
HK$54,262
+HK$3,112/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$102,300/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,546
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,982
−HK$1,457/mo
Today · 4.125%
HK$56,439
baseline
▲ 0.50% · 4.625%
HK$59,414
+HK$2,975/mo
Deposit HK$7.04M · loan HK$10.55M · min. income ≈ HK$112,878/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,153
−HK$3,522/mo
▼ 0.25% · 3.875%
HK$57,900
−HK$1,775/mo
Today · 4.125%
HK$59,675
baseline
▲ 0.50% · 4.625%
HK$63,306
+HK$3,631/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$119,350/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,470
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$64,146
−HK$1,699/mo
Today · 4.125%
HK$65,845
baseline
▲ 0.50% · 4.625%
HK$69,316
+HK$3,471/mo
Deposit HK$5.28M · loan HK$12.31M · min. income ≈ HK$131,690/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,197
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$74,443
−HK$2,282/mo
Today · 4.125%
HK$76,725
baseline
▲ 0.50% · 4.625%
HK$81,393
+HK$4,668/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$153,450/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$82,473
−HK$2,185/mo
Today · 4.125%
HK$84,658
baseline
▲ 0.50% · 4.625%
HK$89,121
+HK$4,463/mo
Deposit HK$1.76M · loan HK$15.83M · min. income ≈ HK$169,316/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$659,623 · Scale 2, in force from 26 Feb 2026)