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$40,308
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,562
−HK$1,274/mo
Today · 4.125%
HK$42,836
baseline
▲ 0.50% · 4.625%
HK$45,442
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,672/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,842
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,045
−HK$1,220/mo
Today · 4.125%
HK$47,265
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,530/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,370
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,529/mo
Today · 4.125%
HK$51,403
baseline
▲ 0.50% · 4.625%
HK$54,531
+HK$3,128/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,806/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,811
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,254
−HK$1,464/mo
Today · 4.125%
HK$56,718
baseline
▲ 0.50% · 4.625%
HK$59,708
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,436/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,431
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,187
−HK$1,783/mo
Today · 4.125%
HK$59,970
baseline
▲ 0.50% · 4.625%
HK$63,619
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,940/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,779
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,463
−HK$1,708/mo
Today · 4.125%
HK$66,171
baseline
▲ 0.50% · 4.625%
HK$69,659
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,342/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,555
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,811
−HK$2,293/mo
Today · 4.125%
HK$77,104
baseline
▲ 0.50% · 4.625%
HK$81,796
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,208/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,716
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,881
−HK$2,196/mo
Today · 4.125%
HK$85,077
baseline
▲ 0.50% · 4.625%
HK$89,562
+HK$4,485/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,154/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,888 · Scale 2, in force from 26 Feb 2026)