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$40,279
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,532
−HK$1,273/mo
Today · 4.125%
HK$42,805
baseline
▲ 0.50% · 4.625%
HK$45,409
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,610/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,810
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,012
−HK$1,219/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$49,720
+HK$2,489/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,335
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,838
−HK$1,528/mo
Today · 4.125%
HK$51,366
baseline
▲ 0.50% · 4.625%
HK$54,491
+HK$3,125/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,732/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,772
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,214
−HK$1,463/mo
Today · 4.125%
HK$56,677
baseline
▲ 0.50% · 4.625%
HK$59,664
+HK$2,987/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,354/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,390
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,144
−HK$1,782/mo
Today · 4.125%
HK$59,926
baseline
▲ 0.50% · 4.625%
HK$63,573
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,852/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,734
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,416
−HK$1,707/mo
Today · 4.125%
HK$66,123
baseline
▲ 0.50% · 4.625%
HK$69,608
+HK$3,485/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,246/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,502
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,757
−HK$2,291/mo
Today · 4.125%
HK$77,048
baseline
▲ 0.50% · 4.625%
HK$81,737
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,096/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,658
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$82,821
−HK$2,194/mo
Today · 4.125%
HK$85,015
baseline
▲ 0.50% · 4.625%
HK$89,496
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,030/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,406 · Scale 2, in force from 26 Feb 2026)