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$40,321
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,274/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,457
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,857
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,060
−HK$1,220/mo
Today · 4.125%
HK$47,280
baseline
▲ 0.50% · 4.625%
HK$49,772
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,560/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,385
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,890
−HK$1,529/mo
Today · 4.125%
HK$51,419
baseline
▲ 0.50% · 4.625%
HK$54,548
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,838/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,828
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,271
−HK$1,465/mo
Today · 4.125%
HK$56,736
baseline
▲ 0.50% · 4.625%
HK$59,727
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,472/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,449
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,205
−HK$1,784/mo
Today · 4.125%
HK$59,989
baseline
▲ 0.50% · 4.625%
HK$63,639
+HK$3,650/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$119,978/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,483
−HK$1,709/mo
Today · 4.125%
HK$66,192
baseline
▲ 0.50% · 4.625%
HK$69,681
+HK$3,489/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$132,384/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,578
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,835
−HK$2,294/mo
Today · 4.125%
HK$77,129
baseline
▲ 0.50% · 4.625%
HK$81,822
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,258/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,742
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,907
−HK$2,197/mo
Today · 4.125%
HK$85,104
baseline
▲ 0.50% · 4.625%
HK$89,590
+HK$4,486/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,208/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,098 · Scale 2, in force from 26 Feb 2026)