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$40,231
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,482
−HK$1,272/mo
Today · 4.125%
HK$42,754
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,508/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,756
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,957
−HK$1,217/mo
Today · 4.125%
HK$47,174
baseline
▲ 0.50% · 4.625%
HK$49,661
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,348/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,277
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,525/mo
Today · 4.125%
HK$51,304
baseline
▲ 0.50% · 4.625%
HK$54,426
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,608/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,708
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,148
−HK$1,461/mo
Today · 4.125%
HK$56,609
baseline
▲ 0.50% · 4.625%
HK$59,593
+HK$2,984/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,218/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,323
−HK$3,532/mo
▼ 0.25% · 3.875%
HK$58,075
−HK$1,780/mo
Today · 4.125%
HK$59,855
baseline
▲ 0.50% · 4.625%
HK$63,497
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,710/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,659
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,339
−HK$1,705/mo
Today · 4.125%
HK$66,044
baseline
▲ 0.50% · 4.625%
HK$69,526
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,088/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,416
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,668
−HK$2,289/mo
Today · 4.125%
HK$76,957
baseline
▲ 0.50% · 4.625%
HK$81,639
+HK$4,682/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,914/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,562
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,722
−HK$2,192/mo
Today · 4.125%
HK$84,914
baseline
▲ 0.50% · 4.625%
HK$89,390
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,828/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,618 · Scale 2, in force from 26 Feb 2026)