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$40,414
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,671
−HK$1,277/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,562
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,960
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,166
−HK$1,223/mo
Today · 4.125%
HK$47,389
baseline
▲ 0.50% · 4.625%
HK$49,887
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,778/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,497
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,005
−HK$1,533/mo
Today · 4.125%
HK$51,538
baseline
▲ 0.50% · 4.625%
HK$54,674
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,076/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,952
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,468/mo
Today · 4.125%
HK$56,867
baseline
▲ 0.50% · 4.625%
HK$59,865
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,734/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,580
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,340
−HK$1,788/mo
Today · 4.125%
HK$60,128
baseline
▲ 0.50% · 4.625%
HK$63,786
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,256/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,944
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,632
−HK$1,713/mo
Today · 4.125%
HK$66,345
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$3,497/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,690/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,745
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,008
−HK$2,299/mo
Today · 4.125%
HK$77,307
baseline
▲ 0.50% · 4.625%
HK$82,011
+HK$4,704/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,614/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,928
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,099
−HK$2,202/mo
Today · 4.125%
HK$85,301
baseline
▲ 0.50% · 4.625%
HK$89,797
+HK$4,496/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,602/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,630 · Scale 2, in force from 26 Feb 2026)