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$40,419
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,277/mo
Today · 4.125%
HK$42,954
baseline
▲ 0.50% · 4.625%
HK$45,568
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,908/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,966
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,172
−HK$1,224/mo
Today · 4.125%
HK$47,396
baseline
▲ 0.50% · 4.625%
HK$49,894
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,792/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,503
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,012
−HK$1,533/mo
Today · 4.125%
HK$51,545
baseline
▲ 0.50% · 4.625%
HK$54,681
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,090/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,959
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,407
−HK$1,468/mo
Today · 4.125%
HK$56,875
baseline
▲ 0.50% · 4.625%
HK$59,873
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,750/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,587
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,347
−HK$1,789/mo
Today · 4.125%
HK$60,136
baseline
▲ 0.50% · 4.625%
HK$63,795
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,272/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,953
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,641
−HK$1,713/mo
Today · 4.125%
HK$66,354
baseline
▲ 0.50% · 4.625%
HK$69,851
+HK$3,497/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,708/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,018
−HK$2,299/mo
Today · 4.125%
HK$77,317
baseline
▲ 0.50% · 4.625%
HK$82,022
+HK$4,705/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,634/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,939
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,110
−HK$2,202/mo
Today · 4.125%
HK$85,312
baseline
▲ 0.50% · 4.625%
HK$89,809
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,624/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,719 · Scale 2, in force from 26 Feb 2026)