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$40,206
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,457
−HK$1,271/mo
Today · 4.125%
HK$42,728
baseline
▲ 0.50% · 4.625%
HK$45,328
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,456/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,729
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,929
−HK$1,217/mo
Today · 4.125%
HK$47,146
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,292/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,248
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,524/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$54,393
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,675
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,115
−HK$1,460/mo
Today · 4.125%
HK$56,575
baseline
▲ 0.50% · 4.625%
HK$59,557
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,150/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,289
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,040
−HK$1,779/mo
Today · 4.125%
HK$59,819
baseline
▲ 0.50% · 4.625%
HK$63,459
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,638/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,621
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,300
−HK$1,704/mo
Today · 4.125%
HK$66,004
baseline
▲ 0.50% · 4.625%
HK$69,483
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,008/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,372
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,623
−HK$2,287/mo
Today · 4.125%
HK$76,910
baseline
▲ 0.50% · 4.625%
HK$81,590
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,820/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,513
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,672
−HK$2,191/mo
Today · 4.125%
HK$84,863
baseline
▲ 0.50% · 4.625%
HK$89,336
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,726/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,217 · Scale 2, in force from 26 Feb 2026)