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$40,278
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,531
−HK$1,273/mo
Today · 4.125%
HK$42,804
baseline
▲ 0.50% · 4.625%
HK$45,408
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,608/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,809
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,219/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$49,719
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,333
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,837
−HK$1,527/mo
Today · 4.125%
HK$51,364
baseline
▲ 0.50% · 4.625%
HK$54,490
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,728/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,770
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,212
−HK$1,463/mo
Today · 4.125%
HK$56,675
baseline
▲ 0.50% · 4.625%
HK$59,663
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,350/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,389
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$58,143
−HK$1,782/mo
Today · 4.125%
HK$59,925
baseline
▲ 0.50% · 4.625%
HK$63,571
+HK$3,646/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$119,850/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,732
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$64,414
−HK$1,707/mo
Today · 4.125%
HK$66,121
baseline
▲ 0.50% · 4.625%
HK$69,607
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.36M · min. income ≈ HK$132,242/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,500
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$74,755
−HK$2,291/mo
Today · 4.125%
HK$77,046
baseline
▲ 0.50% · 4.625%
HK$81,734
+HK$4,688/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,092/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,655
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,819
−HK$2,194/mo
Today · 4.125%
HK$85,013
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$4,481/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,026/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,389 · Scale 2, in force from 26 Feb 2026)