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$40,228
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,479
−HK$1,272/mo
Today · 4.125%
HK$42,751
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,502/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,753
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,953
−HK$1,218/mo
Today · 4.125%
HK$47,171
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,342/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,274
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,526/mo
Today · 4.125%
HK$51,301
baseline
▲ 0.50% · 4.625%
HK$54,422
+HK$3,121/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,602/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,704
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,144
−HK$1,461/mo
Today · 4.125%
HK$56,605
baseline
▲ 0.50% · 4.625%
HK$59,589
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,210/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,319
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,071
−HK$1,780/mo
Today · 4.125%
HK$59,851
baseline
▲ 0.50% · 4.625%
HK$63,493
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,702/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,654
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,335
−HK$1,704/mo
Today · 4.125%
HK$66,039
baseline
▲ 0.50% · 4.625%
HK$69,520
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,078/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,410
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,663
−HK$2,288/mo
Today · 4.125%
HK$76,951
baseline
▲ 0.50% · 4.625%
HK$81,633
+HK$4,682/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,902/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,556
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,716
−HK$2,192/mo
Today · 4.125%
HK$84,908
baseline
▲ 0.50% · 4.625%
HK$89,383
+HK$4,475/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,816/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,570 · Scale 2, in force from 26 Feb 2026)