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$40,273
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,526
−HK$1,272/mo
Today · 4.125%
HK$42,798
baseline
▲ 0.50% · 4.625%
HK$45,402
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,596/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,803
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,005
−HK$1,219/mo
Today · 4.125%
HK$47,224
baseline
▲ 0.50% · 4.625%
HK$49,713
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,448/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,327
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,831
−HK$1,527/mo
Today · 4.125%
HK$51,358
baseline
▲ 0.50% · 4.625%
HK$54,483
+HK$3,125/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$102,716/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,764
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,206
−HK$1,462/mo
Today · 4.125%
HK$56,668
baseline
▲ 0.50% · 4.625%
HK$59,656
+HK$2,988/mo
Deposit HK$7.06M · loan HK$10.60M · min. income ≈ HK$113,336/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,382
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,136
−HK$1,782/mo
Today · 4.125%
HK$59,918
baseline
▲ 0.50% · 4.625%
HK$63,563
+HK$3,645/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,836/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,407
−HK$1,706/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$69,598
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,491
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,746
−HK$2,291/mo
Today · 4.125%
HK$77,037
baseline
▲ 0.50% · 4.625%
HK$81,724
+HK$4,687/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,074/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,646
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,809
−HK$2,194/mo
Today · 4.125%
HK$85,003
baseline
▲ 0.50% · 4.625%
HK$89,483
+HK$4,480/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,006/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,308 · Scale 2, in force from 26 Feb 2026)