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$40,412
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,277/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,559
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,957
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,163
−HK$1,223/mo
Today · 4.125%
HK$47,386
baseline
▲ 0.50% · 4.625%
HK$49,884
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,772/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,002
−HK$1,533/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,671
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,949
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,468/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$59,861
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,576
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,336
−HK$1,788/mo
Today · 4.125%
HK$60,124
baseline
▲ 0.50% · 4.625%
HK$63,782
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,248/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,940
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,628
−HK$1,713/mo
Today · 4.125%
HK$66,341
baseline
▲ 0.50% · 4.625%
HK$69,838
+HK$3,497/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,682/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,741
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$75,003
−HK$2,299/mo
Today · 4.125%
HK$77,302
baseline
▲ 0.50% · 4.625%
HK$82,006
+HK$4,704/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,604/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,923
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,094
−HK$2,201/mo
Today · 4.125%
HK$85,295
baseline
▲ 0.50% · 4.625%
HK$89,791
+HK$4,496/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,590/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,589 · Scale 2, in force from 26 Feb 2026)