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$40,289
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,543
−HK$1,273/mo
Today · 4.125%
HK$42,816
baseline
▲ 0.50% · 4.625%
HK$45,421
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,632/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,822
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,024
−HK$1,219/mo
Today · 4.125%
HK$47,243
baseline
▲ 0.50% · 4.625%
HK$49,733
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,486/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,347
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,851
−HK$1,528/mo
Today · 4.125%
HK$51,379
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,758/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,786
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,228
−HK$1,464/mo
Today · 4.125%
HK$56,692
baseline
▲ 0.50% · 4.625%
HK$59,680
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,384/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,405
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,160
−HK$1,782/mo
Today · 4.125%
HK$59,942
baseline
▲ 0.50% · 4.625%
HK$63,590
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,884/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,750
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,433
−HK$1,707/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$69,627
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,521
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,777
−HK$2,292/mo
Today · 4.125%
HK$77,069
baseline
▲ 0.50% · 4.625%
HK$81,758
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,138/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,679
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,843
−HK$2,195/mo
Today · 4.125%
HK$85,038
baseline
▲ 0.50% · 4.625%
HK$89,520
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,076/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,581 · Scale 2, in force from 26 Feb 2026)