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$41,522
−HK$1,273/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$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,799
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,001
−HK$1,219/mo
Today · 4.125%
HK$47,220
baseline
▲ 0.50% · 4.625%
HK$49,709
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,440/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,323
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,827
−HK$1,527/mo
Today · 4.125%
HK$51,354
baseline
▲ 0.50% · 4.625%
HK$54,478
+HK$3,124/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$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,759
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,201
−HK$1,463/mo
Today · 4.125%
HK$56,664
baseline
▲ 0.50% · 4.625%
HK$59,651
+HK$2,987/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,328/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,377
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,131
−HK$1,782/mo
Today · 4.125%
HK$59,913
baseline
▲ 0.50% · 4.625%
HK$63,558
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,826/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,719
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,401
−HK$1,707/mo
Today · 4.125%
HK$66,108
baseline
▲ 0.50% · 4.625%
HK$69,592
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,216/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,485
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,740
−HK$2,291/mo
Today · 4.125%
HK$77,031
baseline
▲ 0.50% · 4.625%
HK$81,718
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,062/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,639
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,802
−HK$2,194/mo
Today · 4.125%
HK$84,996
baseline
▲ 0.50% · 4.625%
HK$89,476
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,992/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,254 · Scale 2, in force from 26 Feb 2026)