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$40,285
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,273/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,019
−HK$1,219/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$49,728
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,342
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,846
−HK$1,527/mo
Today · 4.125%
HK$51,373
baseline
▲ 0.50% · 4.625%
HK$54,499
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,746/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,780
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,222
−HK$1,463/mo
Today · 4.125%
HK$56,685
baseline
▲ 0.50% · 4.625%
HK$59,673
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,370/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,399
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,153
−HK$1,783/mo
Today · 4.125%
HK$59,936
baseline
▲ 0.50% · 4.625%
HK$63,583
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,872/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,743
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,426
−HK$1,707/mo
Today · 4.125%
HK$66,133
baseline
▲ 0.50% · 4.625%
HK$69,619
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,266/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,513
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,768
−HK$2,292/mo
Today · 4.125%
HK$77,060
baseline
▲ 0.50% · 4.625%
HK$81,749
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,120/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,833
−HK$2,195/mo
Today · 4.125%
HK$85,028
baseline
▲ 0.50% · 4.625%
HK$89,510
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,056/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,507 · Scale 2, in force from 26 Feb 2026)