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$40,337
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,592
−HK$1,275/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,875
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,078
−HK$1,221/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$49,792
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,405
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,530/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,570
+HK$3,130/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,850
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,294
−HK$1,465/mo
Today · 4.125%
HK$56,759
baseline
▲ 0.50% · 4.625%
HK$59,751
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,518/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,472
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,229
−HK$1,785/mo
Today · 4.125%
HK$60,014
baseline
▲ 0.50% · 4.625%
HK$63,665
+HK$3,651/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,028/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,825
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,510
−HK$1,709/mo
Today · 4.125%
HK$66,219
baseline
▲ 0.50% · 4.625%
HK$69,709
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,438/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,607
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,866
−HK$2,294/mo
Today · 4.125%
HK$77,160
baseline
▲ 0.50% · 4.625%
HK$81,855
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,320/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,775
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,941
−HK$2,198/mo
Today · 4.125%
HK$85,139
baseline
▲ 0.50% · 4.625%
HK$89,626
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,278/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,368 · Scale 2, in force from 26 Feb 2026)