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$40,275
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,273/mo
Today · 4.125%
HK$42,800
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,600/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,805
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,007
−HK$1,219/mo
Today · 4.125%
HK$47,226
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,452/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,329
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,833
−HK$1,527/mo
Today · 4.125%
HK$51,360
baseline
▲ 0.50% · 4.625%
HK$54,485
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,720/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,766
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,208
−HK$1,463/mo
Today · 4.125%
HK$56,671
baseline
▲ 0.50% · 4.625%
HK$59,658
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,342/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,384
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,138
−HK$1,782/mo
Today · 4.125%
HK$59,920
baseline
▲ 0.50% · 4.625%
HK$63,566
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,840/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,727
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,707/mo
Today · 4.125%
HK$66,116
baseline
▲ 0.50% · 4.625%
HK$69,601
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,232/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,494
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,749
−HK$2,291/mo
Today · 4.125%
HK$77,040
baseline
▲ 0.50% · 4.625%
HK$81,728
+HK$4,688/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,080/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,649
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,812
−HK$2,194/mo
Today · 4.125%
HK$85,006
baseline
▲ 0.50% · 4.625%
HK$89,487
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,012/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,336 · Scale 2, in force from 26 Feb 2026)