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$40,322
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,577
−HK$1,274/mo
Today · 4.125%
HK$42,851
baseline
▲ 0.50% · 4.625%
HK$45,458
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,702/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,858
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,221/mo
Today · 4.125%
HK$47,282
baseline
▲ 0.50% · 4.625%
HK$49,774
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,564/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,387
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,892
−HK$1,529/mo
Today · 4.125%
HK$51,421
baseline
▲ 0.50% · 4.625%
HK$54,550
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,842/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,830
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,274
−HK$1,464/mo
Today · 4.125%
HK$56,738
baseline
▲ 0.50% · 4.625%
HK$59,729
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,476/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,451
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,207
−HK$1,784/mo
Today · 4.125%
HK$59,991
baseline
▲ 0.50% · 4.625%
HK$63,642
+HK$3,651/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$119,982/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,802
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,486
−HK$1,709/mo
Today · 4.125%
HK$66,195
baseline
▲ 0.50% · 4.625%
HK$69,684
+HK$3,489/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$132,390/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,580
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,838
−HK$2,294/mo
Today · 4.125%
HK$77,132
baseline
▲ 0.50% · 4.625%
HK$81,825
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,264/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,745
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,911
−HK$2,196/mo
Today · 4.125%
HK$85,107
baseline
▲ 0.50% · 4.625%
HK$89,594
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,214/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,124 · Scale 2, in force from 26 Feb 2026)