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$40,316
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,570
−HK$1,274/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,851
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,054
−HK$1,221/mo
Today · 4.125%
HK$47,275
baseline
▲ 0.50% · 4.625%
HK$49,767
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,550/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,380
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,884
−HK$1,529/mo
Today · 4.125%
HK$51,413
baseline
▲ 0.50% · 4.625%
HK$54,542
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,826/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,822
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,265
−HK$1,465/mo
Today · 4.125%
HK$56,730
baseline
▲ 0.50% · 4.625%
HK$59,720
+HK$2,990/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,460/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,443
−HK$3,539/mo
▼ 0.25% · 3.875%
HK$58,198
−HK$1,784/mo
Today · 4.125%
HK$59,982
baseline
▲ 0.50% · 4.625%
HK$63,632
+HK$3,650/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$119,964/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,792
−HK$3,392/mo
▼ 0.25% · 3.875%
HK$64,476
−HK$1,708/mo
Today · 4.125%
HK$66,184
baseline
▲ 0.50% · 4.625%
HK$69,673
+HK$3,489/mo
Deposit HK$5.30M · loan HK$12.38M · min. income ≈ HK$132,368/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,569
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$74,827
−HK$2,293/mo
Today · 4.125%
HK$77,120
baseline
▲ 0.50% · 4.625%
HK$81,813
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$154,240/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,733
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$82,898
−HK$2,196/mo
Today · 4.125%
HK$85,094
baseline
▲ 0.50% · 4.625%
HK$89,580
+HK$4,486/mo
Deposit HK$1.77M · loan HK$15.91M · min. income ≈ HK$170,188/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,023 · Scale 2, in force from 26 Feb 2026)