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$40,209
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,459
−HK$1,271/mo
Today · 4.125%
HK$42,730
baseline
▲ 0.50% · 4.625%
HK$45,330
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,460/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,732
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,931
−HK$1,217/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$49,634
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,250
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,751
−HK$1,525/mo
Today · 4.125%
HK$51,276
baseline
▲ 0.50% · 4.625%
HK$54,396
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,552/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,678
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,118
−HK$1,460/mo
Today · 4.125%
HK$56,578
baseline
▲ 0.50% · 4.625%
HK$59,560
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,156/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,292
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,043
−HK$1,779/mo
Today · 4.125%
HK$59,822
baseline
▲ 0.50% · 4.625%
HK$63,462
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,644/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,624
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,304
−HK$1,704/mo
Today · 4.125%
HK$66,008
baseline
▲ 0.50% · 4.625%
HK$69,487
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,016/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,376
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,627
−HK$2,287/mo
Today · 4.125%
HK$76,914
baseline
▲ 0.50% · 4.625%
HK$81,594
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,828/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,517
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,677
−HK$2,190/mo
Today · 4.125%
HK$84,867
baseline
▲ 0.50% · 4.625%
HK$89,341
+HK$4,474/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,734/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,253 · Scale 2, in force from 26 Feb 2026)