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$40,297
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,274/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,830
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,032
−HK$1,220/mo
Today · 4.125%
HK$47,252
baseline
▲ 0.50% · 4.625%
HK$49,743
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,504/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,356
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,529/mo
Today · 4.125%
HK$51,389
baseline
▲ 0.50% · 4.625%
HK$54,516
+HK$3,127/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,778/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,796
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,239
−HK$1,463/mo
Today · 4.125%
HK$56,702
baseline
▲ 0.50% · 4.625%
HK$59,691
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,404/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,416
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,171
−HK$1,782/mo
Today · 4.125%
HK$59,953
baseline
▲ 0.50% · 4.625%
HK$63,601
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,906/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,762
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,445
−HK$1,708/mo
Today · 4.125%
HK$66,153
baseline
▲ 0.50% · 4.625%
HK$69,640
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,306/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,534
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,791
−HK$2,292/mo
Today · 4.125%
HK$77,083
baseline
▲ 0.50% · 4.625%
HK$81,773
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,166/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,694
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,858
−HK$2,196/mo
Today · 4.125%
HK$85,054
baseline
▲ 0.50% · 4.625%
HK$89,537
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,108/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,705 · Scale 2, in force from 26 Feb 2026)