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$40,223
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,474
−HK$1,271/mo
Today · 4.125%
HK$42,745
baseline
▲ 0.50% · 4.625%
HK$45,346
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,490/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,748
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,948
−HK$1,217/mo
Today · 4.125%
HK$47,165
baseline
▲ 0.50% · 4.625%
HK$49,651
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,330/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,268
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,769
−HK$1,525/mo
Today · 4.125%
HK$51,294
baseline
▲ 0.50% · 4.625%
HK$54,415
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$102,588/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,697
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,137
−HK$1,461/mo
Today · 4.125%
HK$56,598
baseline
▲ 0.50% · 4.625%
HK$59,582
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$113,196/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,312
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,064
−HK$1,779/mo
Today · 4.125%
HK$59,843
baseline
▲ 0.50% · 4.625%
HK$63,485
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,686/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,647
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,327
−HK$1,704/mo
Today · 4.125%
HK$66,031
baseline
▲ 0.50% · 4.625%
HK$69,512
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,062/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,401
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,653
−HK$2,289/mo
Today · 4.125%
HK$76,942
baseline
▲ 0.50% · 4.625%
HK$81,623
+HK$4,681/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,884/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,546
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,706
−HK$2,191/mo
Today · 4.125%
HK$84,897
baseline
▲ 0.50% · 4.625%
HK$89,372
+HK$4,475/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,794/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,488 · Scale 2, in force from 26 Feb 2026)