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$40,201
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,452
−HK$1,270/mo
Today · 4.125%
HK$42,722
baseline
▲ 0.50% · 4.625%
HK$45,322
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,444/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,723
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,923
−HK$1,217/mo
Today · 4.125%
HK$47,140
baseline
▲ 0.50% · 4.625%
HK$49,624
+HK$2,484/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,280/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,742
−HK$1,524/mo
Today · 4.125%
HK$51,266
baseline
▲ 0.50% · 4.625%
HK$54,386
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,532/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,668
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,107
−HK$1,460/mo
Today · 4.125%
HK$56,567
baseline
▲ 0.50% · 4.625%
HK$59,549
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,134/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,282
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,032
−HK$1,779/mo
Today · 4.125%
HK$59,811
baseline
▲ 0.50% · 4.625%
HK$63,450
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,622/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,613
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,292
−HK$1,703/mo
Today · 4.125%
HK$65,995
baseline
▲ 0.50% · 4.625%
HK$69,474
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,990/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,362
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,613
−HK$2,287/mo
Today · 4.125%
HK$76,900
baseline
▲ 0.50% · 4.625%
HK$81,579
+HK$4,679/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,800/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,502
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,661
−HK$2,190/mo
Today · 4.125%
HK$84,851
baseline
▲ 0.50% · 4.625%
HK$89,324
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,702/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,128 · Scale 2, in force from 26 Feb 2026)