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$40,429
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,277/mo
Today · 4.125%
HK$42,964
baseline
▲ 0.50% · 4.625%
HK$45,578
+HK$2,614/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,928/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,977
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,224/mo
Today · 4.125%
HK$47,407
baseline
▲ 0.50% · 4.625%
HK$49,906
+HK$2,499/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,814/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,515
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,024
−HK$1,533/mo
Today · 4.125%
HK$51,557
baseline
▲ 0.50% · 4.625%
HK$54,694
+HK$3,137/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,114/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,972
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,420
−HK$1,468/mo
Today · 4.125%
HK$56,888
baseline
▲ 0.50% · 4.625%
HK$59,887
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,776/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,601
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,789/mo
Today · 4.125%
HK$60,150
baseline
▲ 0.50% · 4.625%
HK$63,810
+HK$3,660/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,300/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,968
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,714/mo
Today · 4.125%
HK$66,370
baseline
▲ 0.50% · 4.625%
HK$69,868
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,740/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,772
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,036
−HK$2,300/mo
Today · 4.125%
HK$77,336
baseline
▲ 0.50% · 4.625%
HK$82,041
+HK$4,705/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,672/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,958
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,130
−HK$2,202/mo
Today · 4.125%
HK$85,332
baseline
▲ 0.50% · 4.625%
HK$89,830
+HK$4,498/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,664/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,876 · Scale 2, in force from 26 Feb 2026)