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$40,258
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,510
−HK$1,273/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,787
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,988
−HK$1,218/mo
Today · 4.125%
HK$47,206
baseline
▲ 0.50% · 4.625%
HK$49,695
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,412/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,310
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,812
−HK$1,527/mo
Today · 4.125%
HK$51,339
baseline
▲ 0.50% · 4.625%
HK$54,463
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,678/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,744
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,185
−HK$1,463/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$59,633
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,361
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,114
−HK$1,782/mo
Today · 4.125%
HK$59,896
baseline
▲ 0.50% · 4.625%
HK$63,540
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,792/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,701
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,706/mo
Today · 4.125%
HK$66,089
baseline
▲ 0.50% · 4.625%
HK$69,572
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,178/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,464
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,718
−HK$2,291/mo
Today · 4.125%
HK$77,009
baseline
▲ 0.50% · 4.625%
HK$81,694
+HK$4,685/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,018/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,616
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,778
−HK$2,193/mo
Today · 4.125%
HK$84,971
baseline
▲ 0.50% · 4.625%
HK$89,450
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,942/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,064 · Scale 2, in force from 26 Feb 2026)