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$40,198
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,448
−HK$1,271/mo
Today · 4.125%
HK$42,719
baseline
▲ 0.50% · 4.625%
HK$45,318
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,438/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,720
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,919
−HK$1,217/mo
Today · 4.125%
HK$47,136
baseline
▲ 0.50% · 4.625%
HK$49,620
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,272/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,238
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,738
−HK$1,524/mo
Today · 4.125%
HK$51,262
baseline
▲ 0.50% · 4.625%
HK$54,382
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,524/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,664
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,103
−HK$1,460/mo
Today · 4.125%
HK$56,563
baseline
▲ 0.50% · 4.625%
HK$59,545
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,126/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,277
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,028
−HK$1,778/mo
Today · 4.125%
HK$59,806
baseline
▲ 0.50% · 4.625%
HK$63,445
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,612/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,608
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,287
−HK$1,703/mo
Today · 4.125%
HK$65,990
baseline
▲ 0.50% · 4.625%
HK$69,469
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,980/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,356
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,607
−HK$2,287/mo
Today · 4.125%
HK$76,894
baseline
▲ 0.50% · 4.625%
HK$81,572
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,788/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,496
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,654
−HK$2,191/mo
Today · 4.125%
HK$84,845
baseline
▲ 0.50% · 4.625%
HK$89,317
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,690/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,076 · Scale 2, in force from 26 Feb 2026)