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$40,301
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,555
−HK$1,273/mo
Today · 4.125%
HK$42,828
baseline
▲ 0.50% · 4.625%
HK$45,434
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,656/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,834
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,037
−HK$1,220/mo
Today · 4.125%
HK$47,257
baseline
▲ 0.50% · 4.625%
HK$49,748
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,514/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,361
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,528/mo
Today · 4.125%
HK$51,394
baseline
▲ 0.50% · 4.625%
HK$54,521
+HK$3,127/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,788/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,801
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,244
−HK$1,464/mo
Today · 4.125%
HK$56,708
baseline
▲ 0.50% · 4.625%
HK$59,697
+HK$2,989/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,416/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,421
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,176
−HK$1,784/mo
Today · 4.125%
HK$59,960
baseline
▲ 0.50% · 4.625%
HK$63,608
+HK$3,648/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,920/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,768
−HK$3,391/mo
▼ 0.25% · 3.875%
HK$64,452
−HK$1,707/mo
Today · 4.125%
HK$66,159
baseline
▲ 0.50% · 4.625%
HK$69,647
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,318/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,542
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,798
−HK$2,293/mo
Today · 4.125%
HK$77,091
baseline
▲ 0.50% · 4.625%
HK$81,782
+HK$4,691/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,182/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,702
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$82,866
−HK$2,196/mo
Today · 4.125%
HK$85,062
baseline
▲ 0.50% · 4.625%
HK$89,546
+HK$4,484/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,124/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,771 · Scale 2, in force from 26 Feb 2026)