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$40,237
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,489
−HK$1,272/mo
Today · 4.125%
HK$42,761
baseline
▲ 0.50% · 4.625%
HK$45,363
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,522/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,764
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,964
−HK$1,218/mo
Today · 4.125%
HK$47,182
baseline
▲ 0.50% · 4.625%
HK$49,669
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,364/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,285
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,787
−HK$1,526/mo
Today · 4.125%
HK$51,313
baseline
▲ 0.50% · 4.625%
HK$54,435
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,626/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,157
−HK$1,462/mo
Today · 4.125%
HK$56,619
baseline
▲ 0.50% · 4.625%
HK$59,603
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,238/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,332
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,085
−HK$1,780/mo
Today · 4.125%
HK$59,865
baseline
▲ 0.50% · 4.625%
HK$63,508
+HK$3,643/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,730/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,669
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,350
−HK$1,705/mo
Today · 4.125%
HK$66,055
baseline
▲ 0.50% · 4.625%
HK$69,537
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,110/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,427
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,680
−HK$2,289/mo
Today · 4.125%
HK$76,969
baseline
▲ 0.50% · 4.625%
HK$81,653
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,938/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,575
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,736
−HK$2,192/mo
Today · 4.125%
HK$84,928
baseline
▲ 0.50% · 4.625%
HK$89,405
+HK$4,477/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,856/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,726 · Scale 2, in force from 26 Feb 2026)