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$40,308
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,561
−HK$1,274/mo
Today · 4.125%
HK$42,835
baseline
▲ 0.50% · 4.625%
HK$45,442
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,670/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,842
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,220/mo
Today · 4.125%
HK$47,264
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,528/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,369
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,528/mo
Today · 4.125%
HK$51,402
baseline
▲ 0.50% · 4.625%
HK$54,530
+HK$3,128/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,804/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,810
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,253
−HK$1,464/mo
Today · 4.125%
HK$56,717
baseline
▲ 0.50% · 4.625%
HK$59,707
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,434/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,431
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,186
−HK$1,783/mo
Today · 4.125%
HK$59,969
baseline
▲ 0.50% · 4.625%
HK$63,618
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,938/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,778
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,462
−HK$1,708/mo
Today · 4.125%
HK$66,170
baseline
▲ 0.50% · 4.625%
HK$69,658
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,340/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,554
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,810
−HK$2,293/mo
Today · 4.125%
HK$77,103
baseline
▲ 0.50% · 4.625%
HK$81,795
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,206/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,715
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,880
−HK$2,196/mo
Today · 4.125%
HK$85,076
baseline
▲ 0.50% · 4.625%
HK$89,560
+HK$4,484/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,152/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,879 · Scale 2, in force from 26 Feb 2026)