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$40,243
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$41,495
−HK$1,271/mo
Today · 4.125%
HK$42,766
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,603/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,532/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,770
−HK$2,419/mo
▼ 0.25% · 3.875%
HK$45,970
−HK$1,219/mo
Today · 4.125%
HK$47,189
baseline
▲ 0.50% · 4.625%
HK$49,676
+HK$2,487/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,378/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,291
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,794
−HK$1,526/mo
Today · 4.125%
HK$51,320
baseline
▲ 0.50% · 4.625%
HK$54,442
+HK$3,122/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$102,640/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,724
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,165
−HK$1,461/mo
Today · 4.125%
HK$56,626
baseline
▲ 0.50% · 4.625%
HK$59,611
+HK$2,985/mo
Deposit HK$7.06M · loan HK$10.59M · min. income ≈ HK$113,252/mo (50% DSR)
Upfront cash ≈ HK$7.72M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,340
−HK$3,533/mo
▼ 0.25% · 3.875%
HK$58,092
−HK$1,781/mo
Today · 4.125%
HK$59,873
baseline
▲ 0.50% · 4.625%
HK$63,516
+HK$3,643/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$119,746/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,678
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,705/mo
Today · 4.125%
HK$66,064
baseline
▲ 0.50% · 4.625%
HK$69,546
+HK$3,482/mo
Deposit HK$5.29M · loan HK$12.35M · min. income ≈ HK$132,128/mo (50% DSR)
Upfront cash ≈ HK$5.96M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,437
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$74,690
−HK$2,290/mo
Today · 4.125%
HK$76,980
baseline
▲ 0.50% · 4.625%
HK$81,664
+HK$4,684/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$153,960/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,586
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$82,747
−HK$2,192/mo
Today · 4.125%
HK$84,939
baseline
▲ 0.50% · 4.625%
HK$89,417
+HK$4,478/mo
Deposit HK$1.76M · loan HK$15.88M · min. income ≈ HK$169,878/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$661,815 · Scale 2, in force from 26 Feb 2026)