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$40,207
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,458
−HK$1,271/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$45,328
+HK$2,599/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,730
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,930
−HK$1,217/mo
Today · 4.125%
HK$47,147
baseline
▲ 0.50% · 4.625%
HK$49,632
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,294/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,525/mo
Today · 4.125%
HK$51,274
baseline
▲ 0.50% · 4.625%
HK$54,394
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,548/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,676
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,116
−HK$1,460/mo
Today · 4.125%
HK$56,576
baseline
▲ 0.50% · 4.625%
HK$59,558
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,152/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,290
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,041
−HK$1,779/mo
Today · 4.125%
HK$59,820
baseline
▲ 0.50% · 4.625%
HK$63,460
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,640/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,622
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,302
−HK$1,703/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$69,485
+HK$3,480/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,373
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,624
−HK$2,287/mo
Today · 4.125%
HK$76,911
baseline
▲ 0.50% · 4.625%
HK$81,591
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,822/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,514
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,674
−HK$2,190/mo
Today · 4.125%
HK$84,864
baseline
▲ 0.50% · 4.625%
HK$89,337
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,728/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,229 · Scale 2, in force from 26 Feb 2026)