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$40,271
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,524
−HK$1,272/mo
Today · 4.125%
HK$42,796
baseline
▲ 0.50% · 4.625%
HK$45,400
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,592/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,801
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,003
−HK$1,219/mo
Today · 4.125%
HK$47,222
baseline
▲ 0.50% · 4.625%
HK$49,711
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,444/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,325
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,828
−HK$1,528/mo
Today · 4.125%
HK$51,356
baseline
▲ 0.50% · 4.625%
HK$54,480
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,712/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,761
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,203
−HK$1,463/mo
Today · 4.125%
HK$56,666
baseline
▲ 0.50% · 4.625%
HK$59,653
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,332/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,379
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,133
−HK$1,782/mo
Today · 4.125%
HK$59,915
baseline
▲ 0.50% · 4.625%
HK$63,561
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,830/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,722
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,404
−HK$1,706/mo
Today · 4.125%
HK$66,110
baseline
▲ 0.50% · 4.625%
HK$69,595
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,220/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,488
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,743
−HK$2,290/mo
Today · 4.125%
HK$77,033
baseline
▲ 0.50% · 4.625%
HK$81,721
+HK$4,688/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,066/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,642
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,805
−HK$2,194/mo
Today · 4.125%
HK$84,999
baseline
▲ 0.50% · 4.625%
HK$89,479
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,998/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,278 · Scale 2, in force from 26 Feb 2026)