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$40,232
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,484
−HK$1,271/mo
Today · 4.125%
HK$42,755
baseline
▲ 0.50% · 4.625%
HK$45,357
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,510/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,758
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,218/mo
Today · 4.125%
HK$47,176
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,352/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,279
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,780
−HK$1,526/mo
Today · 4.125%
HK$51,306
baseline
▲ 0.50% · 4.625%
HK$54,428
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,612/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,710
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,461/mo
Today · 4.125%
HK$56,611
baseline
▲ 0.50% · 4.625%
HK$59,595
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,222/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,325
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,077
−HK$1,780/mo
Today · 4.125%
HK$59,857
baseline
▲ 0.50% · 4.625%
HK$63,499
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,714/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,661
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,342
−HK$1,705/mo
Today · 4.125%
HK$66,047
baseline
▲ 0.50% · 4.625%
HK$69,528
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,094/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,418
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,671
−HK$2,288/mo
Today · 4.125%
HK$76,959
baseline
▲ 0.50% · 4.625%
HK$81,642
+HK$4,683/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,918/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,564
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,725
−HK$2,192/mo
Today · 4.125%
HK$84,917
baseline
▲ 0.50% · 4.625%
HK$89,393
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,834/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,640 · Scale 2, in force from 26 Feb 2026)