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$40,309
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,563
−HK$1,274/mo
Today · 4.125%
HK$42,837
baseline
▲ 0.50% · 4.625%
HK$45,443
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,674/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,843
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,046
−HK$1,220/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$49,758
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,371
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,875
−HK$1,529/mo
Today · 4.125%
HK$51,404
baseline
▲ 0.50% · 4.625%
HK$54,532
+HK$3,128/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,808/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,812
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,255
−HK$1,464/mo
Today · 4.125%
HK$56,719
baseline
▲ 0.50% · 4.625%
HK$59,709
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,438/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,433
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,188
−HK$1,783/mo
Today · 4.125%
HK$59,971
baseline
▲ 0.50% · 4.625%
HK$63,621
+HK$3,650/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,942/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,781
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,464
−HK$1,709/mo
Today · 4.125%
HK$66,173
baseline
▲ 0.50% · 4.625%
HK$69,661
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,346/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,556
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,813
−HK$2,293/mo
Today · 4.125%
HK$77,106
baseline
▲ 0.50% · 4.625%
HK$81,798
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,212/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,718
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,883
−HK$2,196/mo
Today · 4.125%
HK$85,079
baseline
▲ 0.50% · 4.625%
HK$89,564
+HK$4,485/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,158/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,903 · Scale 2, in force from 26 Feb 2026)