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$40,252
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,504
−HK$1,273/mo
Today · 4.125%
HK$42,777
baseline
▲ 0.50% · 4.625%
HK$45,379
+HK$2,602/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,554/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,780
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,981
−HK$1,219/mo
Today · 4.125%
HK$47,200
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,400/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,303
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,805
−HK$1,527/mo
Today · 4.125%
HK$51,332
baseline
▲ 0.50% · 4.625%
HK$54,455
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,664/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,736
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,178
−HK$1,462/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$59,625
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,353
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,106
−HK$1,781/mo
Today · 4.125%
HK$59,887
baseline
▲ 0.50% · 4.625%
HK$63,531
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,774/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,693
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,374
−HK$1,706/mo
Today · 4.125%
HK$66,080
baseline
▲ 0.50% · 4.625%
HK$69,563
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,160/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,454
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,708
−HK$2,290/mo
Today · 4.125%
HK$76,998
baseline
▲ 0.50% · 4.625%
HK$81,683
+HK$4,685/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$153,996/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,605
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,766
−HK$2,193/mo
Today · 4.125%
HK$84,959
baseline
▲ 0.50% · 4.625%
HK$89,438
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,918/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,972 · Scale 2, in force from 26 Feb 2026)