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$40,336
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,591
−HK$1,275/mo
Today · 4.125%
HK$42,866
baseline
▲ 0.50% · 4.625%
HK$45,474
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,732/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,874
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,077
−HK$1,221/mo
Today · 4.125%
HK$47,298
baseline
▲ 0.50% · 4.625%
HK$49,791
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,596/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,404
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,909
−HK$1,530/mo
Today · 4.125%
HK$51,439
baseline
▲ 0.50% · 4.625%
HK$54,569
+HK$3,130/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,878/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,848
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,293
−HK$1,465/mo
Today · 4.125%
HK$56,758
baseline
▲ 0.50% · 4.625%
HK$59,749
+HK$2,991/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,516/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,471
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,227
−HK$1,785/mo
Today · 4.125%
HK$60,012
baseline
▲ 0.50% · 4.625%
HK$63,664
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,024/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,823
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,508
−HK$1,709/mo
Today · 4.125%
HK$66,217
baseline
▲ 0.50% · 4.625%
HK$69,708
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,434/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,605
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,864
−HK$2,294/mo
Today · 4.125%
HK$77,158
baseline
▲ 0.50% · 4.625%
HK$81,853
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,316/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,773
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,939
−HK$2,198/mo
Today · 4.125%
HK$85,137
baseline
▲ 0.50% · 4.625%
HK$89,624
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,274/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,351 · Scale 2, in force from 26 Feb 2026)