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$40,436
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,693
−HK$1,278/mo
Today · 4.125%
HK$42,971
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,942/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,984
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,223/mo
Today · 4.125%
HK$47,414
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,828/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,533/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,981
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,468/mo
Today · 4.125%
HK$56,897
baseline
▲ 0.50% · 4.625%
HK$59,896
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,794/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,610
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,371
−HK$1,789/mo
Today · 4.125%
HK$60,160
baseline
▲ 0.50% · 4.625%
HK$63,820
+HK$3,660/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,320/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,978
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,667
−HK$1,713/mo
Today · 4.125%
HK$66,380
baseline
▲ 0.50% · 4.625%
HK$69,879
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,760/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,784
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,048
−HK$2,300/mo
Today · 4.125%
HK$77,348
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,696/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,971
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,143
−HK$2,203/mo
Today · 4.125%
HK$85,346
baseline
▲ 0.50% · 4.625%
HK$89,845
+HK$4,499/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,692/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,983 · Scale 2, in force from 26 Feb 2026)