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$40,204
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,455
−HK$1,271/mo
Today · 4.125%
HK$42,726
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,599/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,452/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,727
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,927
−HK$1,217/mo
Today · 4.125%
HK$47,144
baseline
▲ 0.50% · 4.625%
HK$49,629
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,288/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,525/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,672
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,112
−HK$1,460/mo
Today · 4.125%
HK$56,572
baseline
▲ 0.50% · 4.625%
HK$59,554
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,144/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,286
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,037
−HK$1,779/mo
Today · 4.125%
HK$59,816
baseline
▲ 0.50% · 4.625%
HK$63,456
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,632/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,618
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,297
−HK$1,704/mo
Today · 4.125%
HK$66,001
baseline
▲ 0.50% · 4.625%
HK$69,480
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,002/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,368
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,619
−HK$2,287/mo
Today · 4.125%
HK$76,906
baseline
▲ 0.50% · 4.625%
HK$81,586
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,812/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,509
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,668
−HK$2,190/mo
Today · 4.125%
HK$84,858
baseline
▲ 0.50% · 4.625%
HK$89,331
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,716/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,184 · Scale 2, in force from 26 Feb 2026)