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$40,395
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,652
−HK$1,276/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,540
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,939
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,144
−HK$1,223/mo
Today · 4.125%
HK$47,367
baseline
▲ 0.50% · 4.625%
HK$49,864
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,734/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,474
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,982
−HK$1,532/mo
Today · 4.125%
HK$51,514
baseline
▲ 0.50% · 4.625%
HK$54,648
+HK$3,134/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,028/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,927
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,373
−HK$1,467/mo
Today · 4.125%
HK$56,840
baseline
▲ 0.50% · 4.625%
HK$59,837
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,680/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,553
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,312
−HK$1,787/mo
Today · 4.125%
HK$60,099
baseline
▲ 0.50% · 4.625%
HK$63,756
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,198/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,915
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,602
−HK$1,712/mo
Today · 4.125%
HK$66,314
baseline
▲ 0.50% · 4.625%
HK$69,809
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,628/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,711
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,973
−HK$2,298/mo
Today · 4.125%
HK$77,271
baseline
▲ 0.50% · 4.625%
HK$81,972
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,542/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,890
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,060
−HK$2,201/mo
Today · 4.125%
HK$85,261
baseline
▲ 0.50% · 4.625%
HK$89,755
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,522/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,318 · Scale 2, in force from 26 Feb 2026)