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$40,427
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,684
−HK$1,278/mo
Today · 4.125%
HK$42,962
baseline
▲ 0.50% · 4.625%
HK$45,576
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,924/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,974
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,181
−HK$1,223/mo
Today · 4.125%
HK$47,404
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,499/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,808/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,512
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,021
−HK$1,533/mo
Today · 4.125%
HK$51,554
baseline
▲ 0.50% · 4.625%
HK$54,691
+HK$3,137/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,108/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,969
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,417
−HK$1,468/mo
Today · 4.125%
HK$56,885
baseline
▲ 0.50% · 4.625%
HK$59,883
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,770/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,597
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,358
−HK$1,789/mo
Today · 4.125%
HK$60,147
baseline
▲ 0.50% · 4.625%
HK$63,806
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,294/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,964
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,653
−HK$1,713/mo
Today · 4.125%
HK$66,366
baseline
▲ 0.50% · 4.625%
HK$69,864
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,732/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,768
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,032
−HK$2,299/mo
Today · 4.125%
HK$77,331
baseline
▲ 0.50% · 4.625%
HK$82,037
+HK$4,706/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,662/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,954
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,125
−HK$2,202/mo
Today · 4.125%
HK$85,327
baseline
▲ 0.50% · 4.625%
HK$89,825
+HK$4,498/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,654/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,839 · Scale 2, in force from 26 Feb 2026)