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$40,294
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,547
−HK$1,273/mo
Today · 4.125%
HK$42,820
baseline
▲ 0.50% · 4.625%
HK$45,426
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,640/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,826
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,029
−HK$1,219/mo
Today · 4.125%
HK$47,248
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,496/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,352
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,856
−HK$1,529/mo
Today · 4.125%
HK$51,385
baseline
▲ 0.50% · 4.625%
HK$54,511
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,770/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,792
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,234
−HK$1,464/mo
Today · 4.125%
HK$56,698
baseline
▲ 0.50% · 4.625%
HK$59,686
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,396/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,411
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,166
−HK$1,783/mo
Today · 4.125%
HK$59,949
baseline
▲ 0.50% · 4.625%
HK$63,596
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,898/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,757
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,440
−HK$1,707/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$69,634
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,529
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,785
−HK$2,292/mo
Today · 4.125%
HK$77,077
baseline
▲ 0.50% · 4.625%
HK$81,767
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,154/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,687
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,851
−HK$2,196/mo
Today · 4.125%
HK$85,047
baseline
▲ 0.50% · 4.625%
HK$89,530
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,094/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,651 · Scale 2, in force from 26 Feb 2026)