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$40,436
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,694
−HK$1,277/mo
Today · 4.125%
HK$42,971
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,942/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,984
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,224/mo
Today · 4.125%
HK$47,415
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,499/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,830/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,534/mo
Today · 4.125%
HK$51,566
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$3,137/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,132/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,981
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,469/mo
Today · 4.125%
HK$56,898
baseline
▲ 0.50% · 4.625%
HK$59,897
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,796/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,610
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,371
−HK$1,789/mo
Today · 4.125%
HK$60,160
baseline
▲ 0.50% · 4.625%
HK$63,821
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,320/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,978
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,667
−HK$1,714/mo
Today · 4.125%
HK$66,381
baseline
▲ 0.50% · 4.625%
HK$69,880
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,762/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,784
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,048
−HK$2,301/mo
Today · 4.125%
HK$77,349
baseline
▲ 0.50% · 4.625%
HK$82,055
+HK$4,706/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,698/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,972
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,144
−HK$2,203/mo
Today · 4.125%
HK$85,347
baseline
▲ 0.50% · 4.625%
HK$89,845
+HK$4,498/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,694/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,988 · Scale 2, in force from 26 Feb 2026)