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$40,426
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,683
−HK$1,278/mo
Today · 4.125%
HK$42,961
baseline
▲ 0.50% · 4.625%
HK$45,575
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,922/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,973
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,180
−HK$1,223/mo
Today · 4.125%
HK$47,403
baseline
▲ 0.50% · 4.625%
HK$49,902
+HK$2,499/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,806/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,511
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,020
−HK$1,533/mo
Today · 4.125%
HK$51,553
baseline
▲ 0.50% · 4.625%
HK$54,690
+HK$3,137/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,106/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,968
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,416
−HK$1,468/mo
Today · 4.125%
HK$56,884
baseline
▲ 0.50% · 4.625%
HK$59,882
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,768/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,596
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,357
−HK$1,788/mo
Today · 4.125%
HK$60,145
baseline
▲ 0.50% · 4.625%
HK$63,805
+HK$3,660/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,290/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,963
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,651
−HK$1,714/mo
Today · 4.125%
HK$66,365
baseline
▲ 0.50% · 4.625%
HK$69,863
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,730/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,767
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,030
−HK$2,300/mo
Today · 4.125%
HK$77,330
baseline
▲ 0.50% · 4.625%
HK$82,035
+HK$4,705/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,660/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,952
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,123
−HK$2,203/mo
Today · 4.125%
HK$85,326
baseline
▲ 0.50% · 4.625%
HK$89,823
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,652/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,826 · Scale 2, in force from 26 Feb 2026)