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$40,246
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,498
−HK$1,271/mo
Today · 4.125%
HK$42,769
baseline
▲ 0.50% · 4.625%
HK$45,372
+HK$2,603/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,538/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,773
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,974
−HK$1,218/mo
Today · 4.125%
HK$47,192
baseline
▲ 0.50% · 4.625%
HK$49,679
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,384/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,295
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,797
−HK$1,526/mo
Today · 4.125%
HK$51,323
baseline
▲ 0.50% · 4.625%
HK$54,446
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,646/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,727
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,168
−HK$1,462/mo
Today · 4.125%
HK$56,630
baseline
▲ 0.50% · 4.625%
HK$59,615
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,260/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,344
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,097
−HK$1,780/mo
Today · 4.125%
HK$59,877
baseline
▲ 0.50% · 4.625%
HK$63,521
+HK$3,644/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,754/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,682
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,363
−HK$1,706/mo
Today · 4.125%
HK$66,069
baseline
▲ 0.50% · 4.625%
HK$69,551
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,138/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,442
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,696
−HK$2,289/mo
Today · 4.125%
HK$76,985
baseline
▲ 0.50% · 4.625%
HK$81,669
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,970/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,591
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,753
−HK$2,192/mo
Today · 4.125%
HK$84,945
baseline
▲ 0.50% · 4.625%
HK$89,423
+HK$4,478/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,890/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,861 · Scale 2, in force from 26 Feb 2026)