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$40,401
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,657
−HK$1,277/mo
Today · 4.125%
HK$42,934
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,868/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,945
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,151
−HK$1,222/mo
Today · 4.125%
HK$47,373
baseline
▲ 0.50% · 4.625%
HK$49,871
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,746/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,481
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,989
−HK$1,532/mo
Today · 4.125%
HK$51,521
baseline
▲ 0.50% · 4.625%
HK$54,656
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,042/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,381
−HK$1,467/mo
Today · 4.125%
HK$56,848
baseline
▲ 0.50% · 4.625%
HK$59,845
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,696/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,561
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,320
−HK$1,788/mo
Today · 4.125%
HK$60,108
baseline
▲ 0.50% · 4.625%
HK$63,765
+HK$3,657/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,216/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,923
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,611
−HK$1,712/mo
Today · 4.125%
HK$66,323
baseline
▲ 0.50% · 4.625%
HK$69,819
+HK$3,496/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,646/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,721
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,983
−HK$2,298/mo
Today · 4.125%
HK$77,281
baseline
▲ 0.50% · 4.625%
HK$81,984
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,562/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,901
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,071
−HK$2,201/mo
Today · 4.125%
HK$85,272
baseline
▲ 0.50% · 4.625%
HK$89,767
+HK$4,495/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,544/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,409 · Scale 2, in force from 26 Feb 2026)