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$40,302
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,556
−HK$1,273/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,435
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,836
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,038
−HK$1,220/mo
Today · 4.125%
HK$47,258
baseline
▲ 0.50% · 4.625%
HK$49,749
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,516/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,362
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,867
−HK$1,528/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$3,127/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,803
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,246
−HK$1,464/mo
Today · 4.125%
HK$56,710
baseline
▲ 0.50% · 4.625%
HK$59,699
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,420/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,423
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,178
−HK$1,783/mo
Today · 4.125%
HK$59,961
baseline
▲ 0.50% · 4.625%
HK$63,610
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,922/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,770
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,453
−HK$1,708/mo
Today · 4.125%
HK$66,161
baseline
▲ 0.50% · 4.625%
HK$69,649
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,322/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,544
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,800
−HK$2,293/mo
Today · 4.125%
HK$77,093
baseline
▲ 0.50% · 4.625%
HK$81,784
+HK$4,691/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,186/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,704
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,869
−HK$2,195/mo
Today · 4.125%
HK$85,064
baseline
▲ 0.50% · 4.625%
HK$89,548
+HK$4,484/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,128/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,789 · Scale 2, in force from 26 Feb 2026)