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$40,213
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,464
−HK$1,271/mo
Today · 4.125%
HK$42,735
baseline
▲ 0.50% · 4.625%
HK$45,335
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,470/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,737
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,937
−HK$1,217/mo
Today · 4.125%
HK$47,154
baseline
▲ 0.50% · 4.625%
HK$49,639
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,308/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,256
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,757
−HK$1,525/mo
Today · 4.125%
HK$51,282
baseline
▲ 0.50% · 4.625%
HK$54,402
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,564/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,684
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,124
−HK$1,461/mo
Today · 4.125%
HK$56,585
baseline
▲ 0.50% · 4.625%
HK$59,567
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,170/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,299
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,050
−HK$1,779/mo
Today · 4.125%
HK$59,829
baseline
▲ 0.50% · 4.625%
HK$63,470
+HK$3,641/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,658/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,632
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,311
−HK$1,704/mo
Today · 4.125%
HK$66,015
baseline
▲ 0.50% · 4.625%
HK$69,495
+HK$3,480/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,030/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,384
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,636
−HK$2,287/mo
Today · 4.125%
HK$76,923
baseline
▲ 0.50% · 4.625%
HK$81,604
+HK$4,681/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,846/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,526
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,686
−HK$2,191/mo
Today · 4.125%
HK$84,877
baseline
▲ 0.50% · 4.625%
HK$89,351
+HK$4,474/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,754/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,329 · Scale 2, in force from 26 Feb 2026)