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$40,306
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,560
−HK$1,274/mo
Today · 4.125%
HK$42,834
baseline
▲ 0.50% · 4.625%
HK$45,440
+HK$2,606/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,668/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,840
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,043
−HK$1,220/mo
Today · 4.125%
HK$47,263
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,491/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,526/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,367
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,528/mo
Today · 4.125%
HK$51,400
baseline
▲ 0.50% · 4.625%
HK$54,528
+HK$3,128/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,800/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,808
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,464/mo
Today · 4.125%
HK$56,715
baseline
▲ 0.50% · 4.625%
HK$59,705
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,430/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,428
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,184
−HK$1,783/mo
Today · 4.125%
HK$59,967
baseline
▲ 0.50% · 4.625%
HK$63,616
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,934/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,776
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,460
−HK$1,708/mo
Today · 4.125%
HK$66,168
baseline
▲ 0.50% · 4.625%
HK$69,655
+HK$3,487/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,336/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,551
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$74,808
−HK$2,292/mo
Today · 4.125%
HK$77,100
baseline
▲ 0.50% · 4.625%
HK$81,792
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,200/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,712
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,877
−HK$2,196/mo
Today · 4.125%
HK$85,073
baseline
▲ 0.50% · 4.625%
HK$89,557
+HK$4,484/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,146/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,854 · Scale 2, in force from 26 Feb 2026)