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$40,272
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,525
−HK$1,273/mo
Today · 4.125%
HK$42,798
baseline
▲ 0.50% · 4.625%
HK$45,402
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,596/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,802
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,004
−HK$1,219/mo
Today · 4.125%
HK$47,223
baseline
▲ 0.50% · 4.625%
HK$49,712
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,446/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,327
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,830
−HK$1,527/mo
Today · 4.125%
HK$51,357
baseline
▲ 0.50% · 4.625%
HK$54,482
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,714/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,205
−HK$1,462/mo
Today · 4.125%
HK$56,667
baseline
▲ 0.50% · 4.625%
HK$59,654
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,334/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,381
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,135
−HK$1,782/mo
Today · 4.125%
HK$59,917
baseline
▲ 0.50% · 4.625%
HK$63,562
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,834/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,723
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,405
−HK$1,707/mo
Today · 4.125%
HK$66,112
baseline
▲ 0.50% · 4.625%
HK$69,597
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,224/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,490
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,745
−HK$2,291/mo
Today · 4.125%
HK$77,036
baseline
▲ 0.50% · 4.625%
HK$81,723
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,072/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,644
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,807
−HK$2,194/mo
Today · 4.125%
HK$85,001
baseline
▲ 0.50% · 4.625%
HK$89,482
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,002/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,296 · Scale 2, in force from 26 Feb 2026)