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$40,255
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,507
−HK$1,272/mo
Today · 4.125%
HK$42,779
baseline
▲ 0.50% · 4.625%
HK$45,382
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,558/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,783
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,984
−HK$1,219/mo
Today · 4.125%
HK$47,203
baseline
▲ 0.50% · 4.625%
HK$49,691
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,406/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,809
−HK$1,526/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,459
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,740
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,181
−HK$1,462/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$59,629
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,357
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,110
−HK$1,781/mo
Today · 4.125%
HK$59,891
baseline
▲ 0.50% · 4.625%
HK$63,535
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,782/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,697
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,378
−HK$1,706/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$69,567
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,459
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,713
−HK$2,290/mo
Today · 4.125%
HK$77,003
baseline
▲ 0.50% · 4.625%
HK$81,688
+HK$4,685/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,006/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,610
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$82,772
−HK$2,193/mo
Today · 4.125%
HK$84,965
baseline
▲ 0.50% · 4.625%
HK$89,444
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,930/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,015 · Scale 2, in force from 26 Feb 2026)