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$40,287
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,540
−HK$1,273/mo
Today · 4.125%
HK$42,813
baseline
▲ 0.50% · 4.625%
HK$45,418
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,626/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,819
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,021
−HK$1,219/mo
Today · 4.125%
HK$47,240
baseline
▲ 0.50% · 4.625%
HK$49,730
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,480/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,344
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,848
−HK$1,528/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,502
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,782
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,225
−HK$1,463/mo
Today · 4.125%
HK$56,688
baseline
▲ 0.50% · 4.625%
HK$59,676
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,376/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,401
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,156
−HK$1,782/mo
Today · 4.125%
HK$59,938
baseline
▲ 0.50% · 4.625%
HK$63,585
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,876/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,746
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,429
−HK$1,707/mo
Today · 4.125%
HK$66,136
baseline
▲ 0.50% · 4.625%
HK$69,622
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,272/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,516
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,772
−HK$2,292/mo
Today · 4.125%
HK$77,064
baseline
▲ 0.50% · 4.625%
HK$81,753
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,128/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,673
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,837
−HK$2,195/mo
Today · 4.125%
HK$85,032
baseline
▲ 0.50% · 4.625%
HK$89,514
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,064/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,537 · Scale 2, in force from 26 Feb 2026)