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$40,218
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$41,469
−HK$1,271/mo
Today · 4.125%
HK$42,740
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,480/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,742
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,942
−HK$1,217/mo
Today · 4.125%
HK$47,159
baseline
▲ 0.50% · 4.625%
HK$49,645
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,318/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,525/mo
Today · 4.125%
HK$51,288
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$3,121/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,576/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,690
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,130
−HK$1,461/mo
Today · 4.125%
HK$56,591
baseline
▲ 0.50% · 4.625%
HK$59,574
+HK$2,983/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,182/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,305
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,057
−HK$1,779/mo
Today · 4.125%
HK$59,836
baseline
▲ 0.50% · 4.625%
HK$63,477
+HK$3,641/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,672/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,639
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,704/mo
Today · 4.125%
HK$66,023
baseline
▲ 0.50% · 4.625%
HK$69,503
+HK$3,480/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,046/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,392
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$74,644
−HK$2,288/mo
Today · 4.125%
HK$76,932
baseline
▲ 0.50% · 4.625%
HK$81,613
+HK$4,681/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,864/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,536
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$82,696
−HK$2,191/mo
Today · 4.125%
HK$84,887
baseline
▲ 0.50% · 4.625%
HK$89,361
+HK$4,474/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,774/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,406 · Scale 2, in force from 26 Feb 2026)