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$40,237
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,488
−HK$1,272/mo
Today · 4.125%
HK$42,760
baseline
▲ 0.50% · 4.625%
HK$45,362
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,520/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,763
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,963
−HK$1,218/mo
Today · 4.125%
HK$47,181
baseline
▲ 0.50% · 4.625%
HK$49,668
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,362/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,284
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,526/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,434
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,156
−HK$1,462/mo
Today · 4.125%
HK$56,618
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,236/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,331
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,084
−HK$1,780/mo
Today · 4.125%
HK$59,864
baseline
▲ 0.50% · 4.625%
HK$63,506
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,728/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,668
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,349
−HK$1,705/mo
Today · 4.125%
HK$66,054
baseline
▲ 0.50% · 4.625%
HK$69,536
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,108/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,426
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,679
−HK$2,289/mo
Today · 4.125%
HK$76,968
baseline
▲ 0.50% · 4.625%
HK$81,651
+HK$4,683/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,936/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,573
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,734
−HK$2,192/mo
Today · 4.125%
HK$84,926
baseline
▲ 0.50% · 4.625%
HK$89,403
+HK$4,477/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,852/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,714 · Scale 2, in force from 26 Feb 2026)