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$40,393
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,649
−HK$1,277/mo
Today · 4.125%
HK$42,926
baseline
▲ 0.50% · 4.625%
HK$45,538
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,852/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,937
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,142
−HK$1,223/mo
Today · 4.125%
HK$47,365
baseline
▲ 0.50% · 4.625%
HK$49,861
+HK$2,496/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,730/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,472
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,979
−HK$1,532/mo
Today · 4.125%
HK$51,511
baseline
▲ 0.50% · 4.625%
HK$54,645
+HK$3,134/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,022/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,924
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,370
−HK$1,467/mo
Today · 4.125%
HK$56,837
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,674/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,550
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,309
−HK$1,787/mo
Today · 4.125%
HK$60,096
baseline
▲ 0.50% · 4.625%
HK$63,753
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,192/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,911
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,599
−HK$1,711/mo
Today · 4.125%
HK$66,310
baseline
▲ 0.50% · 4.625%
HK$69,806
+HK$3,496/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,620/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,707
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,969
−HK$2,298/mo
Today · 4.125%
HK$77,267
baseline
▲ 0.50% · 4.625%
HK$81,968
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,534/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,886
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,055
−HK$2,201/mo
Today · 4.125%
HK$85,256
baseline
▲ 0.50% · 4.625%
HK$89,750
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,512/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,283 · Scale 2, in force from 26 Feb 2026)