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$40,247
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,499
−HK$1,272/mo
Today · 4.125%
HK$42,771
baseline
▲ 0.50% · 4.625%
HK$45,373
+HK$2,602/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,542/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,774
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,218/mo
Today · 4.125%
HK$47,193
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,386/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,799
−HK$1,526/mo
Today · 4.125%
HK$51,325
baseline
▲ 0.50% · 4.625%
HK$54,448
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,650/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,729
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,170
−HK$1,462/mo
Today · 4.125%
HK$56,632
baseline
▲ 0.50% · 4.625%
HK$59,617
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,264/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,346
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,099
−HK$1,780/mo
Today · 4.125%
HK$59,879
baseline
▲ 0.50% · 4.625%
HK$63,523
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,758/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,684
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,365
−HK$1,706/mo
Today · 4.125%
HK$66,071
baseline
▲ 0.50% · 4.625%
HK$69,554
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,142/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,445
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,698
−HK$2,290/mo
Today · 4.125%
HK$76,988
baseline
▲ 0.50% · 4.625%
HK$81,672
+HK$4,684/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$153,976/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,594
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,756
−HK$2,192/mo
Today · 4.125%
HK$84,948
baseline
▲ 0.50% · 4.625%
HK$89,426
+HK$4,478/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,896/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,884 · Scale 2, in force from 26 Feb 2026)