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$40,239
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,490
−HK$1,272/mo
Today · 4.125%
HK$42,762
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,524/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,765
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,966
−HK$1,217/mo
Today · 4.125%
HK$47,183
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,488/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,366/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,286
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,788
−HK$1,526/mo
Today · 4.125%
HK$51,314
baseline
▲ 0.50% · 4.625%
HK$54,437
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,628/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,718
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,159
−HK$1,461/mo
Today · 4.125%
HK$56,620
baseline
▲ 0.50% · 4.625%
HK$59,605
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,240/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,334
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,086
−HK$1,781/mo
Today · 4.125%
HK$59,867
baseline
▲ 0.50% · 4.625%
HK$63,509
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,734/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,671
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,352
−HK$1,705/mo
Today · 4.125%
HK$66,057
baseline
▲ 0.50% · 4.625%
HK$69,539
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,114/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,429
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,682
−HK$2,289/mo
Today · 4.125%
HK$76,971
baseline
▲ 0.50% · 4.625%
HK$81,655
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,942/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,577
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,738
−HK$2,192/mo
Today · 4.125%
HK$84,930
baseline
▲ 0.50% · 4.625%
HK$89,407
+HK$4,477/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,860/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,744 · Scale 2, in force from 26 Feb 2026)