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$40,249
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,501
−HK$1,271/mo
Today · 4.125%
HK$42,772
baseline
▲ 0.50% · 4.625%
HK$45,375
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,544/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,776
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,218/mo
Today · 4.125%
HK$47,195
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,390/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,298
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,801
−HK$1,526/mo
Today · 4.125%
HK$51,327
baseline
▲ 0.50% · 4.625%
HK$54,450
+HK$3,123/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,654/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,731
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,172
−HK$1,462/mo
Today · 4.125%
HK$56,634
baseline
▲ 0.50% · 4.625%
HK$59,620
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,268/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,348
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,101
−HK$1,780/mo
Today · 4.125%
HK$59,881
baseline
▲ 0.50% · 4.625%
HK$63,525
+HK$3,644/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,762/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,687
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,368
−HK$1,705/mo
Today · 4.125%
HK$66,073
baseline
▲ 0.50% · 4.625%
HK$69,556
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,146/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,447
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,701
−HK$2,289/mo
Today · 4.125%
HK$76,990
baseline
▲ 0.50% · 4.625%
HK$81,675
+HK$4,685/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$153,980/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,597
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$82,759
−HK$2,192/mo
Today · 4.125%
HK$84,951
baseline
▲ 0.50% · 4.625%
HK$89,429
+HK$4,478/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,902/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,909 · Scale 2, in force from 26 Feb 2026)