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$40,257
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,509
−HK$1,273/mo
Today · 4.125%
HK$42,782
baseline
▲ 0.50% · 4.625%
HK$45,385
+HK$2,603/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,564/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,786
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,987
−HK$1,218/mo
Today · 4.125%
HK$47,205
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,410/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,309
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,811
−HK$1,527/mo
Today · 4.125%
HK$51,338
baseline
▲ 0.50% · 4.625%
HK$54,462
+HK$3,124/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,676/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,743
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,184
−HK$1,462/mo
Today · 4.125%
HK$56,646
baseline
▲ 0.50% · 4.625%
HK$59,632
+HK$2,986/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,292/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,360
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,113
−HK$1,781/mo
Today · 4.125%
HK$59,894
baseline
▲ 0.50% · 4.625%
HK$63,539
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,788/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,700
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$64,382
−HK$1,705/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$69,571
+HK$3,484/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,463
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$74,717
−HK$2,290/mo
Today · 4.125%
HK$77,007
baseline
▲ 0.50% · 4.625%
HK$81,693
+HK$4,686/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$154,014/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,614
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$82,776
−HK$2,194/mo
Today · 4.125%
HK$84,970
baseline
▲ 0.50% · 4.625%
HK$89,448
+HK$4,478/mo
Deposit HK$1.77M · loan HK$15.89M · min. income ≈ HK$169,940/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,051 · Scale 2, in force from 26 Feb 2026)