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$40,293
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,546
−HK$1,274/mo
Today · 4.125%
HK$42,820
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,605/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,640/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,028
−HK$1,219/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$49,738
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,855
−HK$1,529/mo
Today · 4.125%
HK$51,384
baseline
▲ 0.50% · 4.625%
HK$54,510
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,768/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,791
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,233
−HK$1,464/mo
Today · 4.125%
HK$56,697
baseline
▲ 0.50% · 4.625%
HK$59,685
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,394/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,410
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,165
−HK$1,782/mo
Today · 4.125%
HK$59,947
baseline
▲ 0.50% · 4.625%
HK$63,595
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,894/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,756
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,439
−HK$1,707/mo
Today · 4.125%
HK$66,146
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,292/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,527
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$74,783
−HK$2,292/mo
Today · 4.125%
HK$77,075
baseline
▲ 0.50% · 4.625%
HK$81,765
+HK$4,690/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,150/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,686
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$82,850
−HK$2,195/mo
Today · 4.125%
HK$85,045
baseline
▲ 0.50% · 4.625%
HK$89,528
+HK$4,483/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,090/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,638 · Scale 2, in force from 26 Feb 2026)