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$40,267
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,273/mo
Today · 4.125%
HK$42,792
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,584/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,998
−HK$1,219/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$49,706
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,320
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,527/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,475
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,756
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,198
−HK$1,462/mo
Today · 4.125%
HK$56,660
baseline
▲ 0.50% · 4.625%
HK$59,647
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,320/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,374
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,127
−HK$1,782/mo
Today · 4.125%
HK$59,909
baseline
▲ 0.50% · 4.625%
HK$63,554
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,818/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,715
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,397
−HK$1,707/mo
Today · 4.125%
HK$66,104
baseline
▲ 0.50% · 4.625%
HK$69,588
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,208/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,481
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,735
−HK$2,291/mo
Today · 4.125%
HK$77,026
baseline
▲ 0.50% · 4.625%
HK$81,713
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,052/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,634
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,796
−HK$2,194/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$89,470
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,211 · Scale 2, in force from 26 Feb 2026)