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$40,265
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,518
−HK$1,272/mo
Today · 4.125%
HK$42,790
baseline
▲ 0.50% · 4.625%
HK$45,394
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,580/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,795
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,996
−HK$1,219/mo
Today · 4.125%
HK$47,215
baseline
▲ 0.50% · 4.625%
HK$49,704
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,430/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,821
−HK$1,527/mo
Today · 4.125%
HK$51,348
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,696/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,754
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,463/mo
Today · 4.125%
HK$56,658
baseline
▲ 0.50% · 4.625%
HK$59,644
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,316/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,372
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,125
−HK$1,782/mo
Today · 4.125%
HK$59,907
baseline
▲ 0.50% · 4.625%
HK$63,552
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,814/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,713
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,706/mo
Today · 4.125%
HK$66,101
baseline
▲ 0.50% · 4.625%
HK$69,585
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,202/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,478
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,732
−HK$2,291/mo
Today · 4.125%
HK$77,023
baseline
▲ 0.50% · 4.625%
HK$81,709
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,046/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,631
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,793
−HK$2,194/mo
Today · 4.125%
HK$84,987
baseline
▲ 0.50% · 4.625%
HK$89,467
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,974/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,185 · Scale 2, in force from 26 Feb 2026)