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$40,428
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,685
−HK$1,278/mo
Today · 4.125%
HK$42,963
baseline
▲ 0.50% · 4.625%
HK$45,577
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,926/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,975
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,182
−HK$1,223/mo
Today · 4.125%
HK$47,405
baseline
▲ 0.50% · 4.625%
HK$49,904
+HK$2,499/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,810/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,513
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,022
−HK$1,533/mo
Today · 4.125%
HK$51,555
baseline
▲ 0.50% · 4.625%
HK$54,693
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,110/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,971
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,418
−HK$1,468/mo
Today · 4.125%
HK$56,886
baseline
▲ 0.50% · 4.625%
HK$59,885
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,772/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,599
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,359
−HK$1,789/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,808
+HK$3,660/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,966
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,654
−HK$1,713/mo
Today · 4.125%
HK$66,367
baseline
▲ 0.50% · 4.625%
HK$69,866
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,734/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,770
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,033
−HK$2,300/mo
Today · 4.125%
HK$77,333
baseline
▲ 0.50% · 4.625%
HK$82,039
+HK$4,706/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,666/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,956
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,127
−HK$2,203/mo
Today · 4.125%
HK$85,330
baseline
▲ 0.50% · 4.625%
HK$89,827
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,660/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,856 · Scale 2, in force from 26 Feb 2026)