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$40,216
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,467
−HK$1,271/mo
Today · 4.125%
HK$42,738
baseline
▲ 0.50% · 4.625%
HK$45,339
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,476/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,740
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,940
−HK$1,217/mo
Today · 4.125%
HK$47,157
baseline
▲ 0.50% · 4.625%
HK$49,643
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,314/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,259
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,761
−HK$1,525/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,688
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,461/mo
Today · 4.125%
HK$56,589
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$2,983/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,178/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,303
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,054
−HK$1,779/mo
Today · 4.125%
HK$59,833
baseline
▲ 0.50% · 4.625%
HK$63,474
+HK$3,641/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,666/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,636
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,316
−HK$1,704/mo
Today · 4.125%
HK$66,020
baseline
▲ 0.50% · 4.625%
HK$69,500
+HK$3,480/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,040/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,389
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,641
−HK$2,288/mo
Today · 4.125%
HK$76,929
baseline
▲ 0.50% · 4.625%
HK$81,609
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,858/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,532
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,692
−HK$2,191/mo
Today · 4.125%
HK$84,883
baseline
▲ 0.50% · 4.625%
HK$89,357
+HK$4,474/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,766/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,376 · Scale 2, in force from 26 Feb 2026)