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$40,224
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,476
−HK$1,271/mo
Today · 4.125%
HK$42,747
baseline
▲ 0.50% · 4.625%
HK$45,348
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,494/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,749
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,949
−HK$1,218/mo
Today · 4.125%
HK$47,167
baseline
▲ 0.50% · 4.625%
HK$49,653
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,334/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,269
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,771
−HK$1,525/mo
Today · 4.125%
HK$51,296
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$102,592/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,699
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,139
−HK$1,461/mo
Today · 4.125%
HK$56,600
baseline
▲ 0.50% · 4.625%
HK$59,584
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$113,200/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,314
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,066
−HK$1,780/mo
Today · 4.125%
HK$59,846
baseline
▲ 0.50% · 4.625%
HK$63,487
+HK$3,641/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,692/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,649
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,329
−HK$1,705/mo
Today · 4.125%
HK$66,034
baseline
▲ 0.50% · 4.625%
HK$69,514
+HK$3,480/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,068/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,404
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,656
−HK$2,288/mo
Today · 4.125%
HK$76,944
baseline
▲ 0.50% · 4.625%
HK$81,626
+HK$4,682/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,888/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,549
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,709
−HK$2,191/mo
Today · 4.125%
HK$84,900
baseline
▲ 0.50% · 4.625%
HK$89,376
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,800/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,512 · Scale 2, in force from 26 Feb 2026)