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$40,323
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,578
−HK$1,274/mo
Today · 4.125%
HK$42,852
baseline
▲ 0.50% · 4.625%
HK$45,459
+HK$2,607/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,704/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,062
−HK$1,221/mo
Today · 4.125%
HK$47,283
baseline
▲ 0.50% · 4.625%
HK$49,775
+HK$2,492/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,566/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,388
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,529/mo
Today · 4.125%
HK$51,422
baseline
▲ 0.50% · 4.625%
HK$54,551
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,844/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,831
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,275
−HK$1,464/mo
Today · 4.125%
HK$56,739
baseline
▲ 0.50% · 4.625%
HK$59,730
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,478/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,453
−HK$3,540/mo
▼ 0.25% · 3.875%
HK$58,209
−HK$1,784/mo
Today · 4.125%
HK$59,993
baseline
▲ 0.50% · 4.625%
HK$63,643
+HK$3,650/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$119,986/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,803
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,487
−HK$1,709/mo
Today · 4.125%
HK$66,196
baseline
▲ 0.50% · 4.625%
HK$69,685
+HK$3,489/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,392/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,582
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,840
−HK$2,294/mo
Today · 4.125%
HK$77,134
baseline
▲ 0.50% · 4.625%
HK$81,827
+HK$4,693/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,268/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,747
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$82,912
−HK$2,197/mo
Today · 4.125%
HK$85,109
baseline
▲ 0.50% · 4.625%
HK$89,595
+HK$4,486/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,218/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,139 · Scale 2, in force from 26 Feb 2026)