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$40,292
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,546
−HK$1,273/mo
Today · 4.125%
HK$42,819
baseline
▲ 0.50% · 4.625%
HK$45,424
+HK$2,605/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,638/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,027
−HK$1,219/mo
Today · 4.125%
HK$47,246
baseline
▲ 0.50% · 4.625%
HK$49,737
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,492/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,528/mo
Today · 4.125%
HK$51,383
baseline
▲ 0.50% · 4.625%
HK$54,509
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,766/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,790
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,232
−HK$1,464/mo
Today · 4.125%
HK$56,696
baseline
▲ 0.50% · 4.625%
HK$59,684
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,392/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,409
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,164
−HK$1,782/mo
Today · 4.125%
HK$59,946
baseline
▲ 0.50% · 4.625%
HK$63,594
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,892/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,755
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,438
−HK$1,707/mo
Today · 4.125%
HK$66,145
baseline
▲ 0.50% · 4.625%
HK$69,632
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,290/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,526
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,782
−HK$2,292/mo
Today · 4.125%
HK$77,074
baseline
▲ 0.50% · 4.625%
HK$81,764
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,148/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,684
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,848
−HK$2,196/mo
Today · 4.125%
HK$85,044
baseline
▲ 0.50% · 4.625%
HK$89,526
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,088/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,627 · Scale 2, in force from 26 Feb 2026)