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$40,235
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,486
−HK$1,272/mo
Today · 4.125%
HK$42,758
baseline
▲ 0.50% · 4.625%
HK$45,359
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,516/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,761
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,961
−HK$1,218/mo
Today · 4.125%
HK$47,179
baseline
▲ 0.50% · 4.625%
HK$49,666
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,358/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,282
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,783
−HK$1,526/mo
Today · 4.125%
HK$51,309
baseline
▲ 0.50% · 4.625%
HK$54,431
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,618/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,713
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,153
−HK$1,462/mo
Today · 4.125%
HK$56,615
baseline
▲ 0.50% · 4.625%
HK$59,599
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,230/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,329
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,081
−HK$1,780/mo
Today · 4.125%
HK$59,861
baseline
▲ 0.50% · 4.625%
HK$63,503
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,722/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,346
−HK$1,705/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$69,532
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,422
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$74,675
−HK$2,289/mo
Today · 4.125%
HK$76,964
baseline
▲ 0.50% · 4.625%
HK$81,647
+HK$4,683/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,928/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,569
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,730
−HK$2,192/mo
Today · 4.125%
HK$84,922
baseline
▲ 0.50% · 4.625%
HK$89,399
+HK$4,477/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,844/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,681 · Scale 2, in force from 26 Feb 2026)