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$40,315
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,569
−HK$1,274/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,450
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,850
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,052
−HK$1,221/mo
Today · 4.125%
HK$47,273
baseline
▲ 0.50% · 4.625%
HK$49,765
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,546/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,378
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,882
−HK$1,529/mo
Today · 4.125%
HK$51,411
baseline
▲ 0.50% · 4.625%
HK$54,540
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,822/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,820
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,263
−HK$1,464/mo
Today · 4.125%
HK$56,727
baseline
▲ 0.50% · 4.625%
HK$59,717
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,454/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,440
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,196
−HK$1,784/mo
Today · 4.125%
HK$59,980
baseline
▲ 0.50% · 4.625%
HK$63,629
+HK$3,649/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$119,960/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,789
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,709/mo
Today · 4.125%
HK$66,182
baseline
▲ 0.50% · 4.625%
HK$69,670
+HK$3,488/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$132,364/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,566
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,824
−HK$2,293/mo
Today · 4.125%
HK$77,117
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,692/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,234/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,729
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,894
−HK$2,197/mo
Today · 4.125%
HK$85,091
baseline
▲ 0.50% · 4.625%
HK$89,576
+HK$4,485/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,182/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,995 · Scale 2, in force from 26 Feb 2026)