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$40,226
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,477
−HK$1,272/mo
Today · 4.125%
HK$42,749
baseline
▲ 0.50% · 4.625%
HK$45,350
+HK$2,601/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,498/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,751
−HK$2,418/mo
▼ 0.25% · 3.875%
HK$45,951
−HK$1,218/mo
Today · 4.125%
HK$47,169
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,486/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,338/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,271
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,773
−HK$1,525/mo
Today · 4.125%
HK$51,298
baseline
▲ 0.50% · 4.625%
HK$54,420
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$102,596/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,702
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,142
−HK$1,461/mo
Today · 4.125%
HK$56,603
baseline
▲ 0.50% · 4.625%
HK$59,586
+HK$2,983/mo
Deposit HK$7.06M · loan HK$10.58M · min. income ≈ HK$113,206/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,317
−HK$3,531/mo
▼ 0.25% · 3.875%
HK$58,068
−HK$1,780/mo
Today · 4.125%
HK$59,848
baseline
▲ 0.50% · 4.625%
HK$63,490
+HK$3,642/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,696/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,652
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$64,332
−HK$1,705/mo
Today · 4.125%
HK$66,037
baseline
▲ 0.50% · 4.625%
HK$69,518
+HK$3,481/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,074/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,407
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$74,659
−HK$2,289/mo
Today · 4.125%
HK$76,948
baseline
▲ 0.50% · 4.625%
HK$81,630
+HK$4,682/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,896/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,552
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$82,713
−HK$2,191/mo
Today · 4.125%
HK$84,904
baseline
▲ 0.50% · 4.625%
HK$89,380
+HK$4,476/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,808/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,541 · Scale 2, in force from 26 Feb 2026)