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$40,281
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,273/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,412
+HK$2,605/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,813
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,014
−HK$1,220/mo
Today · 4.125%
HK$47,234
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,468/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,338
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,841
−HK$1,528/mo
Today · 4.125%
HK$51,369
baseline
▲ 0.50% · 4.625%
HK$54,495
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,738/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,775
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,217
−HK$1,463/mo
Today · 4.125%
HK$56,680
baseline
▲ 0.50% · 4.625%
HK$59,668
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,360/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,394
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,148
−HK$1,782/mo
Today · 4.125%
HK$59,930
baseline
▲ 0.50% · 4.625%
HK$63,577
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,860/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,738
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,420
−HK$1,707/mo
Today · 4.125%
HK$66,127
baseline
▲ 0.50% · 4.625%
HK$69,613
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,254/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,507
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,762
−HK$2,291/mo
Today · 4.125%
HK$77,053
baseline
▲ 0.50% · 4.625%
HK$81,742
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,106/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,663
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,826
−HK$2,195/mo
Today · 4.125%
HK$85,021
baseline
▲ 0.50% · 4.625%
HK$89,502
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,042/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,449 · Scale 2, in force from 26 Feb 2026)