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$40,325
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,579
−HK$1,274/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,461
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,861
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,064
−HK$1,221/mo
Today · 4.125%
HK$47,285
baseline
▲ 0.50% · 4.625%
HK$49,777
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,570/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,390
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,895
−HK$1,529/mo
Today · 4.125%
HK$51,424
baseline
▲ 0.50% · 4.625%
HK$54,553
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,848/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,833
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,277
−HK$1,465/mo
Today · 4.125%
HK$56,742
baseline
▲ 0.50% · 4.625%
HK$59,732
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,484/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,455
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,211
−HK$1,784/mo
Today · 4.125%
HK$59,995
baseline
▲ 0.50% · 4.625%
HK$63,645
+HK$3,650/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$119,990/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,805
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,490
−HK$1,708/mo
Today · 4.125%
HK$66,198
baseline
▲ 0.50% · 4.625%
HK$69,688
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,396/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,585
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,842
−HK$2,294/mo
Today · 4.125%
HK$77,136
baseline
▲ 0.50% · 4.625%
HK$81,830
+HK$4,694/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,272/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,750
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,915
−HK$2,197/mo
Today · 4.125%
HK$85,112
baseline
▲ 0.50% · 4.625%
HK$89,599
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,224/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,162 · Scale 2, in force from 26 Feb 2026)