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$40,403
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,660
−HK$1,277/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,549
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,948
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,154
−HK$1,222/mo
Today · 4.125%
HK$47,376
baseline
▲ 0.50% · 4.625%
HK$49,874
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,752/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,484
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,532/mo
Today · 4.125%
HK$51,524
baseline
▲ 0.50% · 4.625%
HK$54,659
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,048/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,938
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,384
−HK$1,468/mo
Today · 4.125%
HK$56,852
baseline
▲ 0.50% · 4.625%
HK$59,849
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,704/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,564
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,324
−HK$1,787/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,769
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,927
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,615
−HK$1,712/mo
Today · 4.125%
HK$66,327
baseline
▲ 0.50% · 4.625%
HK$69,823
+HK$3,496/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,654/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,726
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,988
−HK$2,298/mo
Today · 4.125%
HK$77,286
baseline
▲ 0.50% · 4.625%
HK$81,989
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,572/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,907
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,076
−HK$2,202/mo
Today · 4.125%
HK$85,278
baseline
▲ 0.50% · 4.625%
HK$89,773
+HK$4,495/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,556/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,451 · Scale 2, in force from 26 Feb 2026)