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$40,329
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,583
−HK$1,275/mo
Today · 4.125%
HK$42,858
baseline
▲ 0.50% · 4.625%
HK$45,466
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,716/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,069
−HK$1,220/mo
Today · 4.125%
HK$47,289
baseline
▲ 0.50% · 4.625%
HK$49,782
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,578/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,395
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,900
−HK$1,529/mo
Today · 4.125%
HK$51,429
baseline
▲ 0.50% · 4.625%
HK$54,559
+HK$3,130/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,858/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,839
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,282
−HK$1,465/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$59,738
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,460
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,217
−HK$1,784/mo
Today · 4.125%
HK$60,001
baseline
▲ 0.50% · 4.625%
HK$63,652
+HK$3,651/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,002/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,812
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,496
−HK$1,709/mo
Today · 4.125%
HK$66,205
baseline
▲ 0.50% · 4.625%
HK$69,695
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,410/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,592
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,850
−HK$2,294/mo
Today · 4.125%
HK$77,144
baseline
▲ 0.50% · 4.625%
HK$81,838
+HK$4,694/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,288/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,758
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,924
−HK$2,197/mo
Today · 4.125%
HK$85,121
baseline
▲ 0.50% · 4.625%
HK$89,608
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,242/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,229 · Scale 2, in force from 26 Feb 2026)