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$40,281
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,273/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,812
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,014
−HK$1,219/mo
Today · 4.125%
HK$47,233
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,466/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,337
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,841
−HK$1,527/mo
Today · 4.125%
HK$51,368
baseline
▲ 0.50% · 4.625%
HK$54,494
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,736/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,774
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,217
−HK$1,463/mo
Today · 4.125%
HK$56,680
baseline
▲ 0.50% · 4.625%
HK$59,667
+HK$2,987/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,360/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,393
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,147
−HK$1,782/mo
Today · 4.125%
HK$59,929
baseline
▲ 0.50% · 4.625%
HK$63,576
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,858/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,737
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,419
−HK$1,707/mo
Today · 4.125%
HK$66,126
baseline
▲ 0.50% · 4.625%
HK$69,612
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,252/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,505
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,761
−HK$2,291/mo
Today · 4.125%
HK$77,052
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,104/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,662
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,825
−HK$2,194/mo
Today · 4.125%
HK$85,019
baseline
▲ 0.50% · 4.625%
HK$89,501
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,038/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,439 · Scale 2, in force from 26 Feb 2026)