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$40,239
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,491
−HK$1,271/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,765
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,218/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,287
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,789
−HK$1,526/mo
Today · 4.125%
HK$51,315
baseline
▲ 0.50% · 4.625%
HK$54,437
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,630/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,718
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,159
−HK$1,462/mo
Today · 4.125%
HK$56,621
baseline
▲ 0.50% · 4.625%
HK$59,605
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,242/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,335
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,087
−HK$1,780/mo
Today · 4.125%
HK$59,867
baseline
▲ 0.50% · 4.625%
HK$63,510
+HK$3,643/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,734/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,672
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,352
−HK$1,706/mo
Today · 4.125%
HK$66,058
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,116/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,430
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,683
−HK$2,289/mo
Today · 4.125%
HK$76,972
baseline
▲ 0.50% · 4.625%
HK$81,656
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,944/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,578
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,739
−HK$2,192/mo
Today · 4.125%
HK$84,931
baseline
▲ 0.50% · 4.625%
HK$89,408
+HK$4,477/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,862/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,751 · Scale 2, in force from 26 Feb 2026)