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$40,413
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,670
−HK$1,277/mo
Today · 4.125%
HK$42,947
baseline
▲ 0.50% · 4.625%
HK$45,560
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,894/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,959
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,165
−HK$1,223/mo
Today · 4.125%
HK$47,388
baseline
▲ 0.50% · 4.625%
HK$49,886
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,776/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,495
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,533/mo
Today · 4.125%
HK$51,537
baseline
▲ 0.50% · 4.625%
HK$54,672
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,074/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,951
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,398
−HK$1,468/mo
Today · 4.125%
HK$56,866
baseline
▲ 0.50% · 4.625%
HK$59,863
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,732/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,578
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,338
−HK$1,788/mo
Today · 4.125%
HK$60,126
baseline
▲ 0.50% · 4.625%
HK$63,785
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,252/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,943
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,631
−HK$1,712/mo
Today · 4.125%
HK$66,343
baseline
▲ 0.50% · 4.625%
HK$69,840
+HK$3,497/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,686/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,743
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,006
−HK$2,299/mo
Today · 4.125%
HK$77,305
baseline
▲ 0.50% · 4.625%
HK$82,009
+HK$4,704/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,610/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,926
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,097
−HK$2,201/mo
Today · 4.125%
HK$85,298
baseline
▲ 0.50% · 4.625%
HK$89,794
+HK$4,496/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,596/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,612 · Scale 2, in force from 26 Feb 2026)