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$40,311
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,274/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,445
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,845
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,220/mo
Today · 4.125%
HK$47,268
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,536/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,373
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,878
−HK$1,528/mo
Today · 4.125%
HK$51,406
baseline
▲ 0.50% · 4.625%
HK$54,534
+HK$3,128/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,812/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,814
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,258
−HK$1,464/mo
Today · 4.125%
HK$56,722
baseline
▲ 0.50% · 4.625%
HK$59,712
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,444/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,435
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,190
−HK$1,784/mo
Today · 4.125%
HK$59,974
baseline
▲ 0.50% · 4.625%
HK$63,623
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,948/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,783
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,467
−HK$1,708/mo
Today · 4.125%
HK$66,175
baseline
▲ 0.50% · 4.625%
HK$69,664
+HK$3,489/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,350/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,559
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$74,816
−HK$2,293/mo
Today · 4.125%
HK$77,109
baseline
▲ 0.50% · 4.625%
HK$81,801
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,218/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,721
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,886
−HK$2,197/mo
Today · 4.125%
HK$85,083
baseline
▲ 0.50% · 4.625%
HK$89,567
+HK$4,484/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,166/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,931 · Scale 2, in force from 26 Feb 2026)