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$40,319
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,274/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,454
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,854
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,057
−HK$1,220/mo
Today · 4.125%
HK$47,277
baseline
▲ 0.50% · 4.625%
HK$49,769
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,554/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,382
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,887
−HK$1,529/mo
Today · 4.125%
HK$51,416
baseline
▲ 0.50% · 4.625%
HK$54,545
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,832/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,825
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,268
−HK$1,465/mo
Today · 4.125%
HK$56,733
baseline
▲ 0.50% · 4.625%
HK$59,723
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,466/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,446
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,202
−HK$1,784/mo
Today · 4.125%
HK$59,986
baseline
▲ 0.50% · 4.625%
HK$63,636
+HK$3,650/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$119,972/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,796
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,480
−HK$1,708/mo
Today · 4.125%
HK$66,188
baseline
▲ 0.50% · 4.625%
HK$69,677
+HK$3,489/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$132,376/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,573
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,831
−HK$2,293/mo
Today · 4.125%
HK$77,124
baseline
▲ 0.50% · 4.625%
HK$81,817
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,248/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,737
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,902
−HK$2,197/mo
Today · 4.125%
HK$85,099
baseline
▲ 0.50% · 4.625%
HK$89,585
+HK$4,486/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,198/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,059 · Scale 2, in force from 26 Feb 2026)