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$40,284
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,274/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,604/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,816
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,018
−HK$1,219/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$49,727
+HK$2,490/mo
Deposit HK$8.83M · loan HK$8.83M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,341
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,845
−HK$1,528/mo
Today · 4.125%
HK$51,373
baseline
▲ 0.50% · 4.625%
HK$54,499
+HK$3,126/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$102,746/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,779
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,221
−HK$1,464/mo
Today · 4.125%
HK$56,685
baseline
▲ 0.50% · 4.625%
HK$59,673
+HK$2,988/mo
Deposit HK$7.07M · loan HK$10.60M · min. income ≈ HK$113,370/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,398
−HK$3,537/mo
▼ 0.25% · 3.875%
HK$58,152
−HK$1,783/mo
Today · 4.125%
HK$59,935
baseline
▲ 0.50% · 4.625%
HK$63,582
+HK$3,647/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$119,870/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,742
−HK$3,390/mo
▼ 0.25% · 3.875%
HK$64,425
−HK$1,707/mo
Today · 4.125%
HK$66,132
baseline
▲ 0.50% · 4.625%
HK$69,618
+HK$3,486/mo
Deposit HK$5.30M · loan HK$12.37M · min. income ≈ HK$132,264/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,512
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$74,767
−HK$2,292/mo
Today · 4.125%
HK$77,059
baseline
▲ 0.50% · 4.625%
HK$81,748
+HK$4,689/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$154,118/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,669
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$82,832
−HK$2,195/mo
Today · 4.125%
HK$85,027
baseline
▲ 0.50% · 4.625%
HK$89,509
+HK$4,482/mo
Deposit HK$1.77M · loan HK$15.90M · min. income ≈ HK$170,054/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$662,498 · Scale 2, in force from 26 Feb 2026)