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$40,241
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,493
−HK$1,272/mo
Today · 4.125%
HK$42,765
baseline
▲ 0.50% · 4.625%
HK$45,367
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,530/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,768
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,218/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$49,674
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,526/mo
Today · 4.125%
HK$51,318
baseline
▲ 0.50% · 4.625%
HK$54,441
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,636/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,722
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,163
−HK$1,461/mo
Today · 4.125%
HK$56,624
baseline
▲ 0.50% · 4.625%
HK$59,609
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,248/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,338
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,090
−HK$1,781/mo
Today · 4.125%
HK$59,871
baseline
▲ 0.50% · 4.625%
HK$63,514
+HK$3,643/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,742/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,676
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,356
−HK$1,706/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,435
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,688
−HK$2,289/mo
Today · 4.125%
HK$76,977
baseline
▲ 0.50% · 4.625%
HK$81,661
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,954/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,583
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,744
−HK$2,192/mo
Today · 4.125%
HK$84,936
baseline
▲ 0.50% · 4.625%
HK$89,414
+HK$4,478/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,872/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,792 · Scale 2, in force from 26 Feb 2026)