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$40,319
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,275/mo
Today · 4.125%
HK$42,848
baseline
▲ 0.50% · 4.625%
HK$45,455
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,696/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,855
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,058
−HK$1,220/mo
Today · 4.125%
HK$47,278
baseline
▲ 0.50% · 4.625%
HK$49,770
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,556/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,383
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,888
−HK$1,529/mo
Today · 4.125%
HK$51,417
baseline
▲ 0.50% · 4.625%
HK$54,546
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,834/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,826
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,269
−HK$1,465/mo
Today · 4.125%
HK$56,734
baseline
▲ 0.50% · 4.625%
HK$59,724
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,468/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,447
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,203
−HK$1,784/mo
Today · 4.125%
HK$59,987
baseline
▲ 0.50% · 4.625%
HK$63,637
+HK$3,650/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$119,974/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,797
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,481
−HK$1,708/mo
Today · 4.125%
HK$66,189
baseline
▲ 0.50% · 4.625%
HK$69,678
+HK$3,489/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$132,378/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,575
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,832
−HK$2,294/mo
Today · 4.125%
HK$77,126
baseline
▲ 0.50% · 4.625%
HK$81,819
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,252/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,739
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,904
−HK$2,197/mo
Today · 4.125%
HK$85,101
baseline
▲ 0.50% · 4.625%
HK$89,586
+HK$4,485/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,202/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,072 · Scale 2, in force from 26 Feb 2026)