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$40,212
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,462
−HK$1,271/mo
Today · 4.125%
HK$42,733
baseline
▲ 0.50% · 4.625%
HK$45,333
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,466/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,735
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,935
−HK$1,217/mo
Today · 4.125%
HK$47,152
baseline
▲ 0.50% · 4.625%
HK$49,637
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,304/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,254
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,755
−HK$1,525/mo
Today · 4.125%
HK$51,280
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,560/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,682
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,122
−HK$1,460/mo
Today · 4.125%
HK$56,582
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$2,983/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,164/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,296
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,047
−HK$1,779/mo
Today · 4.125%
HK$59,826
baseline
▲ 0.50% · 4.625%
HK$63,467
+HK$3,641/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,652/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,629
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,309
−HK$1,704/mo
Today · 4.125%
HK$66,013
baseline
▲ 0.50% · 4.625%
HK$69,492
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,026/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,381
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,632
−HK$2,288/mo
Today · 4.125%
HK$76,920
baseline
▲ 0.50% · 4.625%
HK$81,600
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,840/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,523
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,683
−HK$2,190/mo
Today · 4.125%
HK$84,873
baseline
▲ 0.50% · 4.625%
HK$89,347
+HK$4,474/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,746/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,301 · Scale 2, in force from 26 Feb 2026)