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$40,229
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,480
−HK$1,271/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,353
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,502/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,754
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,954
−HK$1,218/mo
Today · 4.125%
HK$47,172
baseline
▲ 0.50% · 4.625%
HK$49,658
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,344/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,274
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,776
−HK$1,526/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,423
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,705
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,461/mo
Today · 4.125%
HK$56,606
baseline
▲ 0.50% · 4.625%
HK$59,590
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,212/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,320
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,072
−HK$1,780/mo
Today · 4.125%
HK$59,852
baseline
▲ 0.50% · 4.625%
HK$63,494
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,704/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,656
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,336
−HK$1,705/mo
Today · 4.125%
HK$66,041
baseline
▲ 0.50% · 4.625%
HK$69,522
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,082/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,412
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,664
−HK$2,289/mo
Today · 4.125%
HK$76,953
baseline
▲ 0.50% · 4.625%
HK$81,635
+HK$4,682/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,906/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,557
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,718
−HK$2,192/mo
Today · 4.125%
HK$84,910
baseline
▲ 0.50% · 4.625%
HK$89,385
+HK$4,475/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,820/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,582 · Scale 2, in force from 26 Feb 2026)