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$40,270
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,272/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,219/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,324
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,827
−HK$1,527/mo
Today · 4.125%
HK$51,354
baseline
▲ 0.50% · 4.625%
HK$54,479
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,708/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,760
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,202
−HK$1,463/mo
Today · 4.125%
HK$56,665
baseline
▲ 0.50% · 4.625%
HK$59,651
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,330/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,378
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,132
−HK$1,782/mo
Today · 4.125%
HK$59,914
baseline
▲ 0.50% · 4.625%
HK$63,559
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,828/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,720
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,402
−HK$1,707/mo
Today · 4.125%
HK$66,109
baseline
▲ 0.50% · 4.625%
HK$69,593
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,218/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,486
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,741
−HK$2,291/mo
Today · 4.125%
HK$77,032
baseline
▲ 0.50% · 4.625%
HK$81,719
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,064/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,640
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,803
−HK$2,194/mo
Today · 4.125%
HK$84,997
baseline
▲ 0.50% · 4.625%
HK$89,477
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,994/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,264 · Scale 2, in force from 26 Feb 2026)