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$40,265
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,517
−HK$1,273/mo
Today · 4.125%
HK$42,790
baseline
▲ 0.50% · 4.625%
HK$45,393
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,580/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,794
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,995
−HK$1,219/mo
Today · 4.125%
HK$47,214
baseline
▲ 0.50% · 4.625%
HK$49,703
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,428/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,820
−HK$1,527/mo
Today · 4.125%
HK$51,347
baseline
▲ 0.50% · 4.625%
HK$54,472
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,694/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,753
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,194
−HK$1,463/mo
Today · 4.125%
HK$56,657
baseline
▲ 0.50% · 4.625%
HK$59,643
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,314/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,370
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,124
−HK$1,781/mo
Today · 4.125%
HK$59,905
baseline
▲ 0.50% · 4.625%
HK$63,550
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,810/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,712
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,393
−HK$1,707/mo
Today · 4.125%
HK$66,100
baseline
▲ 0.50% · 4.625%
HK$69,584
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,200/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,476
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,731
−HK$2,290/mo
Today · 4.125%
HK$77,021
baseline
▲ 0.50% · 4.625%
HK$81,708
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,042/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,629
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,792
−HK$2,193/mo
Today · 4.125%
HK$84,985
baseline
▲ 0.50% · 4.625%
HK$89,465
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,970/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,173 · Scale 2, in force from 26 Feb 2026)