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$40,228
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,271/mo
Today · 4.125%
HK$42,750
baseline
▲ 0.50% · 4.625%
HK$45,351
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,500/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,953
−HK$1,218/mo
Today · 4.125%
HK$47,171
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,342/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,273
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,525/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,422
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,703
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,144
−HK$1,461/mo
Today · 4.125%
HK$56,605
baseline
▲ 0.50% · 4.625%
HK$59,588
+HK$2,983/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,210/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,319
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,070
−HK$1,780/mo
Today · 4.125%
HK$59,850
baseline
▲ 0.50% · 4.625%
HK$63,492
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,700/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,654
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,334
−HK$1,705/mo
Today · 4.125%
HK$66,039
baseline
▲ 0.50% · 4.625%
HK$69,520
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,078/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,410
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,662
−HK$2,288/mo
Today · 4.125%
HK$76,950
baseline
▲ 0.50% · 4.625%
HK$81,633
+HK$4,683/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,900/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,555
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,715
−HK$2,192/mo
Today · 4.125%
HK$84,907
baseline
▲ 0.50% · 4.625%
HK$89,383
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,814/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,563 · Scale 2, in force from 26 Feb 2026)