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$40,391
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,276/mo
Today · 4.125%
HK$42,924
baseline
▲ 0.50% · 4.625%
HK$45,536
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,848/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,935
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,140
−HK$1,222/mo
Today · 4.125%
HK$47,362
baseline
▲ 0.50% · 4.625%
HK$49,859
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,724/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,532/mo
Today · 4.125%
HK$51,509
baseline
▲ 0.50% · 4.625%
HK$54,643
+HK$3,134/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,018/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,922
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,368
−HK$1,467/mo
Today · 4.125%
HK$56,835
baseline
▲ 0.50% · 4.625%
HK$59,831
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,670/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,548
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,307
−HK$1,787/mo
Today · 4.125%
HK$60,094
baseline
▲ 0.50% · 4.625%
HK$63,750
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,188/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,909
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,596
−HK$1,711/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$69,803
+HK$3,496/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,704
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,966
−HK$2,297/mo
Today · 4.125%
HK$77,263
baseline
▲ 0.50% · 4.625%
HK$81,965
+HK$4,702/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,526/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,883
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,052
−HK$2,200/mo
Today · 4.125%
HK$85,252
baseline
▲ 0.50% · 4.625%
HK$89,746
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,504/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,255 · Scale 2, in force from 26 Feb 2026)