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$40,327
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,582
−HK$1,274/mo
Today · 4.125%
HK$42,856
baseline
▲ 0.50% · 4.625%
HK$45,464
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,712/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,864
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,067
−HK$1,221/mo
Today · 4.125%
HK$47,288
baseline
▲ 0.50% · 4.625%
HK$49,780
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,576/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,898
−HK$1,529/mo
Today · 4.125%
HK$51,427
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$3,130/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,854/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,836
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,280
−HK$1,465/mo
Today · 4.125%
HK$56,745
baseline
▲ 0.50% · 4.625%
HK$59,736
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,490/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,458
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,214
−HK$1,785/mo
Today · 4.125%
HK$59,999
baseline
▲ 0.50% · 4.625%
HK$63,649
+HK$3,650/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$119,998/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,809
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,494
−HK$1,709/mo
Today · 4.125%
HK$66,203
baseline
▲ 0.50% · 4.625%
HK$69,692
+HK$3,489/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,406/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,589
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,847
−HK$2,294/mo
Today · 4.125%
HK$77,141
baseline
▲ 0.50% · 4.625%
HK$81,835
+HK$4,694/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,282/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,755
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,921
−HK$2,197/mo
Today · 4.125%
HK$85,118
baseline
▲ 0.50% · 4.625%
HK$89,604
+HK$4,486/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,236/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,204 · Scale 2, in force from 26 Feb 2026)