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$40,269
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,521
−HK$1,273/mo
Today · 4.125%
HK$42,794
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,588/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,798
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,000
−HK$1,219/mo
Today · 4.125%
HK$47,219
baseline
▲ 0.50% · 4.625%
HK$49,708
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,438/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,322
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,825
−HK$1,527/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,477
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,758
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,200
−HK$1,462/mo
Today · 4.125%
HK$56,662
baseline
▲ 0.50% · 4.625%
HK$59,649
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,324/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,376
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,130
−HK$1,781/mo
Today · 4.125%
HK$59,911
baseline
▲ 0.50% · 4.625%
HK$63,557
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,822/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,718
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,400
−HK$1,706/mo
Today · 4.125%
HK$66,106
baseline
▲ 0.50% · 4.625%
HK$69,591
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,212/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,483
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,738
−HK$2,291/mo
Today · 4.125%
HK$77,029
baseline
▲ 0.50% · 4.625%
HK$81,716
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,058/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,637
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,800
−HK$2,194/mo
Today · 4.125%
HK$84,994
baseline
▲ 0.50% · 4.625%
HK$89,474
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,988/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,237 · Scale 2, in force from 26 Feb 2026)