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$40,405
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,661
−HK$1,277/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,950
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,223/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$49,876
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,486
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,994
−HK$1,532/mo
Today · 4.125%
HK$51,526
baseline
▲ 0.50% · 4.625%
HK$54,661
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,052/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,940
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,386
−HK$1,468/mo
Today · 4.125%
HK$56,854
baseline
▲ 0.50% · 4.625%
HK$59,851
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,708/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,567
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,326
−HK$1,788/mo
Today · 4.125%
HK$60,114
baseline
▲ 0.50% · 4.625%
HK$63,772
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,228/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,930
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,617
−HK$1,713/mo
Today · 4.125%
HK$66,330
baseline
▲ 0.50% · 4.625%
HK$69,826
+HK$3,496/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,660/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,991
−HK$2,298/mo
Today · 4.125%
HK$77,289
baseline
▲ 0.50% · 4.625%
HK$81,992
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,578/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,910
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,080
−HK$2,201/mo
Today · 4.125%
HK$85,281
baseline
▲ 0.50% · 4.625%
HK$89,776
+HK$4,495/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,562/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,476 · Scale 2, in force from 26 Feb 2026)