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$40,420
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,278/mo
Today · 4.125%
HK$42,955
baseline
▲ 0.50% · 4.625%
HK$45,569
+HK$2,614/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,910/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,967
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,173
−HK$1,223/mo
Today · 4.125%
HK$47,396
baseline
▲ 0.50% · 4.625%
HK$49,895
+HK$2,499/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$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,504
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,013
−HK$1,533/mo
Today · 4.125%
HK$51,546
baseline
▲ 0.50% · 4.625%
HK$54,682
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,092/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,960
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,408
−HK$1,468/mo
Today · 4.125%
HK$56,876
baseline
▲ 0.50% · 4.625%
HK$59,874
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,752/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,588
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,348
−HK$1,789/mo
Today · 4.125%
HK$60,137
baseline
▲ 0.50% · 4.625%
HK$63,796
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,274/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,954
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,642
−HK$1,713/mo
Today · 4.125%
HK$66,355
baseline
▲ 0.50% · 4.625%
HK$69,853
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,710/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,756
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,019
−HK$2,300/mo
Today · 4.125%
HK$77,319
baseline
▲ 0.50% · 4.625%
HK$82,023
+HK$4,704/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,638/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,941
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,111
−HK$2,203/mo
Today · 4.125%
HK$85,314
baseline
▲ 0.50% · 4.625%
HK$89,811
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,628/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,731 · Scale 2, in force from 26 Feb 2026)