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$40,440
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,278/mo
Today · 4.125%
HK$42,976
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,952/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,989
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,224/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$49,919
+HK$2,499/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,528
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,038
−HK$1,533/mo
Today · 4.125%
HK$51,571
baseline
▲ 0.50% · 4.625%
HK$54,709
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,142/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,987
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,469/mo
Today · 4.125%
HK$56,904
baseline
▲ 0.50% · 4.625%
HK$59,903
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,808/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,616
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,377
−HK$1,789/mo
Today · 4.125%
HK$60,166
baseline
▲ 0.50% · 4.625%
HK$63,827
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,332/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,985
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,674
−HK$1,714/mo
Today · 4.125%
HK$66,388
baseline
▲ 0.50% · 4.625%
HK$69,887
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,776/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,792
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,056
−HK$2,301/mo
Today · 4.125%
HK$77,357
baseline
▲ 0.50% · 4.625%
HK$82,064
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,714/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,981
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,152
−HK$2,204/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$89,855
+HK$4,499/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,059 · Scale 2, in force from 26 Feb 2026)