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$40,262
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,514
−HK$1,272/mo
Today · 4.125%
HK$42,786
baseline
▲ 0.50% · 4.625%
HK$45,390
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,572/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,791
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,992
−HK$1,219/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,314
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,817
−HK$1,527/mo
Today · 4.125%
HK$51,344
baseline
▲ 0.50% · 4.625%
HK$54,468
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,688/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,749
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,190
−HK$1,463/mo
Today · 4.125%
HK$56,653
baseline
▲ 0.50% · 4.625%
HK$59,639
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,306/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,366
−HK$3,535/mo
▼ 0.25% · 3.875%
HK$58,120
−HK$1,781/mo
Today · 4.125%
HK$59,901
baseline
▲ 0.50% · 4.625%
HK$63,546
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,802/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,707
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,389
−HK$1,706/mo
Today · 4.125%
HK$66,095
baseline
▲ 0.50% · 4.625%
HK$69,579
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,190/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,471
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,725
−HK$2,291/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,702
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,623
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,786
−HK$2,193/mo
Today · 4.125%
HK$84,979
baseline
▲ 0.50% · 4.625%
HK$89,458
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,958/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,124 · Scale 2, in force from 26 Feb 2026)