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$40,242
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,494
−HK$1,271/mo
Today · 4.125%
HK$42,765
baseline
▲ 0.50% · 4.625%
HK$45,368
+HK$2,603/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,530/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,769
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,218/mo
Today · 4.125%
HK$47,187
baseline
▲ 0.50% · 4.625%
HK$49,675
+HK$2,488/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,374/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,527/mo
Today · 4.125%
HK$51,319
baseline
▲ 0.50% · 4.625%
HK$54,441
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,638/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,722
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,163
−HK$1,462/mo
Today · 4.125%
HK$56,625
baseline
▲ 0.50% · 4.625%
HK$59,610
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,250/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,339
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,091
−HK$1,781/mo
Today · 4.125%
HK$59,872
baseline
▲ 0.50% · 4.625%
HK$63,515
+HK$3,643/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,744/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,676
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,357
−HK$1,705/mo
Today · 4.125%
HK$66,062
baseline
▲ 0.50% · 4.625%
HK$69,545
+HK$3,483/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,124/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,435
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,689
−HK$2,289/mo
Today · 4.125%
HK$76,978
baseline
▲ 0.50% · 4.625%
HK$81,662
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,956/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,584
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,745
−HK$2,192/mo
Today · 4.125%
HK$84,937
baseline
▲ 0.50% · 4.625%
HK$89,415
+HK$4,478/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,874/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,800 · Scale 2, in force from 26 Feb 2026)