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$40,292
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,545
−HK$1,273/mo
Today · 4.125%
HK$42,818
baseline
▲ 0.50% · 4.625%
HK$45,424
+HK$2,606/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,636/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,824
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,026
−HK$1,220/mo
Today · 4.125%
HK$47,246
baseline
▲ 0.50% · 4.625%
HK$49,736
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,492/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,350
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,854
−HK$1,528/mo
Today · 4.125%
HK$51,382
baseline
▲ 0.50% · 4.625%
HK$54,508
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,764/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,789
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,232
−HK$1,463/mo
Today · 4.125%
HK$56,695
baseline
▲ 0.50% · 4.625%
HK$59,683
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,390/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,408
−HK$3,538/mo
▼ 0.25% · 3.875%
HK$58,163
−HK$1,783/mo
Today · 4.125%
HK$59,946
baseline
▲ 0.50% · 4.625%
HK$63,593
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,892/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,754
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,437
−HK$1,707/mo
Today · 4.125%
HK$66,144
baseline
▲ 0.50% · 4.625%
HK$69,631
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,288/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,525
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,781
−HK$2,292/mo
Today · 4.125%
HK$77,073
baseline
▲ 0.50% · 4.625%
HK$81,763
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,146/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,683
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,847
−HK$2,195/mo
Today · 4.125%
HK$85,042
baseline
▲ 0.50% · 4.625%
HK$89,525
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,084/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,618 · Scale 2, in force from 26 Feb 2026)