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$40,295
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,548
−HK$1,274/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,427
+HK$2,605/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,827
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,030
−HK$1,219/mo
Today · 4.125%
HK$47,249
baseline
▲ 0.50% · 4.625%
HK$49,740
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,498/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,354
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,858
−HK$1,528/mo
Today · 4.125%
HK$51,386
baseline
▲ 0.50% · 4.625%
HK$54,513
+HK$3,127/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,772/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,793
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,236
−HK$1,463/mo
Today · 4.125%
HK$56,699
baseline
▲ 0.50% · 4.625%
HK$59,688
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,398/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,413
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,167
−HK$1,783/mo
Today · 4.125%
HK$59,950
baseline
▲ 0.50% · 4.625%
HK$63,598
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,900/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,758
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,442
−HK$1,707/mo
Today · 4.125%
HK$66,149
baseline
▲ 0.50% · 4.625%
HK$69,636
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,298/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,531
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,787
−HK$2,292/mo
Today · 4.125%
HK$77,079
baseline
▲ 0.50% · 4.625%
HK$81,769
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,158/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,689
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,854
−HK$2,195/mo
Today · 4.125%
HK$85,049
baseline
▲ 0.50% · 4.625%
HK$89,532
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,098/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,668 · Scale 2, in force from 26 Feb 2026)