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$40,233
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,485
−HK$1,271/mo
Today · 4.125%
HK$42,756
baseline
▲ 0.50% · 4.625%
HK$45,358
+HK$2,602/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,512/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,759
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,960
−HK$1,217/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,280
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,782
−HK$1,526/mo
Today · 4.125%
HK$51,308
baseline
▲ 0.50% · 4.625%
HK$54,429
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,616/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,711
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,151
−HK$1,462/mo
Today · 4.125%
HK$56,613
baseline
▲ 0.50% · 4.625%
HK$59,597
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,226/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,327
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,079
−HK$1,780/mo
Today · 4.125%
HK$59,859
baseline
▲ 0.50% · 4.625%
HK$63,501
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,718/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,663
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,343
−HK$1,705/mo
Today · 4.125%
HK$66,048
baseline
▲ 0.50% · 4.625%
HK$69,530
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,096/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,420
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,673
−HK$2,288/mo
Today · 4.125%
HK$76,961
baseline
▲ 0.50% · 4.625%
HK$81,644
+HK$4,683/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,922/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,566
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,727
−HK$2,192/mo
Today · 4.125%
HK$84,919
baseline
▲ 0.50% · 4.625%
HK$89,395
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,838/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,658 · Scale 2, in force from 26 Feb 2026)