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$40,260
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,512
−HK$1,273/mo
Today · 4.125%
HK$42,785
baseline
▲ 0.50% · 4.625%
HK$45,388
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,570/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,219/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$49,697
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,312
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,815
−HK$1,527/mo
Today · 4.125%
HK$51,342
baseline
▲ 0.50% · 4.625%
HK$54,466
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,684/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,747
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,188
−HK$1,463/mo
Today · 4.125%
HK$56,651
baseline
▲ 0.50% · 4.625%
HK$59,637
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,302/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,364
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,117
−HK$1,782/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,543
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,705
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,386
−HK$1,706/mo
Today · 4.125%
HK$66,092
baseline
▲ 0.50% · 4.625%
HK$69,576
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,184/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,468
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,722
−HK$2,291/mo
Today · 4.125%
HK$77,013
baseline
▲ 0.50% · 4.625%
HK$81,699
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,026/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,620
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,782
−HK$2,194/mo
Today · 4.125%
HK$84,976
baseline
▲ 0.50% · 4.625%
HK$89,455
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,952/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,099 · Scale 2, in force from 26 Feb 2026)