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$40,288
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,541
−HK$1,273/mo
Today · 4.125%
HK$42,814
baseline
▲ 0.50% · 4.625%
HK$45,419
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,628/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,820
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,219/mo
Today · 4.125%
HK$47,241
baseline
▲ 0.50% · 4.625%
HK$49,731
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,482/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,345
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,849
−HK$1,528/mo
Today · 4.125%
HK$51,377
baseline
▲ 0.50% · 4.625%
HK$54,503
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,754/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,784
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,226
−HK$1,463/mo
Today · 4.125%
HK$56,689
baseline
▲ 0.50% · 4.625%
HK$59,678
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,378/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,403
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,157
−HK$1,783/mo
Today · 4.125%
HK$59,940
baseline
▲ 0.50% · 4.625%
HK$63,587
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,880/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,748
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,430
−HK$1,708/mo
Today · 4.125%
HK$66,138
baseline
▲ 0.50% · 4.625%
HK$69,624
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,276/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,518
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,774
−HK$2,291/mo
Today · 4.125%
HK$77,065
baseline
▲ 0.50% · 4.625%
HK$81,755
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,130/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,675
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,839
−HK$2,195/mo
Today · 4.125%
HK$85,034
baseline
▲ 0.50% · 4.625%
HK$89,516
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,068/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,553 · Scale 2, in force from 26 Feb 2026)