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$40,259
−HK$2,524/mo
▼ 0.25% · 3.875%
HK$41,511
−HK$1,272/mo
Today · 4.125%
HK$42,783
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,566/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,787
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,988
−HK$1,219/mo
Today · 4.125%
HK$47,207
baseline
▲ 0.50% · 4.625%
HK$49,695
+HK$2,488/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,414/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,310
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,527/mo
Today · 4.125%
HK$51,340
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,680/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,462/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$59,634
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,362
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,115
−HK$1,781/mo
Today · 4.125%
HK$59,896
baseline
▲ 0.50% · 4.625%
HK$63,541
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,792/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,702
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,384
−HK$1,706/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$69,573
+HK$3,483/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,465
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$74,720
−HK$2,290/mo
Today · 4.125%
HK$77,010
baseline
▲ 0.50% · 4.625%
HK$81,696
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,020/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,617
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,779
−HK$2,194/mo
Today · 4.125%
HK$84,973
baseline
▲ 0.50% · 4.625%
HK$89,452
+HK$4,479/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,946/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,074 · Scale 2, in force from 26 Feb 2026)