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$40,222
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,473
−HK$1,271/mo
Today · 4.125%
HK$42,744
baseline
▲ 0.50% · 4.625%
HK$45,345
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,488/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,746
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,218/mo
Today · 4.125%
HK$47,164
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,328/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,266
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,767
−HK$1,526/mo
Today · 4.125%
HK$51,293
baseline
▲ 0.50% · 4.625%
HK$54,414
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$102,586/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,695
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,135
−HK$1,461/mo
Today · 4.125%
HK$56,596
baseline
▲ 0.50% · 4.625%
HK$59,580
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$113,192/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,310
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,062
−HK$1,779/mo
Today · 4.125%
HK$59,841
baseline
▲ 0.50% · 4.625%
HK$63,483
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,682/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,645
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,325
−HK$1,704/mo
Today · 4.125%
HK$66,029
baseline
▲ 0.50% · 4.625%
HK$69,510
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,058/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,399
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,651
−HK$2,288/mo
Today · 4.125%
HK$76,939
baseline
▲ 0.50% · 4.625%
HK$81,621
+HK$4,682/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,878/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,543
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,703
−HK$2,192/mo
Today · 4.125%
HK$84,895
baseline
▲ 0.50% · 4.625%
HK$89,369
+HK$4,474/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,790/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,466 · Scale 2, in force from 26 Feb 2026)