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$40,256
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,509
−HK$1,272/mo
Today · 4.125%
HK$42,781
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,562/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,785
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,986
−HK$1,218/mo
Today · 4.125%
HK$47,204
baseline
▲ 0.50% · 4.625%
HK$49,693
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,408/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,308
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,810
−HK$1,527/mo
Today · 4.125%
HK$51,337
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,674/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,742
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,183
−HK$1,462/mo
Today · 4.125%
HK$56,645
baseline
▲ 0.50% · 4.625%
HK$59,631
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,290/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,359
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,112
−HK$1,781/mo
Today · 4.125%
HK$59,893
baseline
▲ 0.50% · 4.625%
HK$63,537
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,786/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,699
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,380
−HK$1,706/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$69,570
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,461
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,715
−HK$2,290/mo
Today · 4.125%
HK$77,005
baseline
▲ 0.50% · 4.625%
HK$81,691
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,010/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,613
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,775
−HK$2,193/mo
Today · 4.125%
HK$84,968
baseline
▲ 0.50% · 4.625%
HK$89,447
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,936/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,037 · Scale 2, in force from 26 Feb 2026)