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$40,423
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,680
−HK$1,278/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,571
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,916/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,970
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,176
−HK$1,223/mo
Today · 4.125%
HK$47,399
baseline
▲ 0.50% · 4.625%
HK$49,898
+HK$2,499/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,798/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,507
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,016
−HK$1,533/mo
Today · 4.125%
HK$51,549
baseline
▲ 0.50% · 4.625%
HK$54,686
+HK$3,137/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,098/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,964
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,468/mo
Today · 4.125%
HK$56,879
baseline
▲ 0.50% · 4.625%
HK$59,878
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,758/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,592
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,352
−HK$1,789/mo
Today · 4.125%
HK$60,141
baseline
▲ 0.50% · 4.625%
HK$63,800
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,282/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,958
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,646
−HK$1,713/mo
Today · 4.125%
HK$66,359
baseline
▲ 0.50% · 4.625%
HK$69,857
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,718/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,761
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,024
−HK$2,300/mo
Today · 4.125%
HK$77,324
baseline
▲ 0.50% · 4.625%
HK$82,029
+HK$4,705/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,648/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,946
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,117
−HK$2,202/mo
Today · 4.125%
HK$85,319
baseline
▲ 0.50% · 4.625%
HK$89,816
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,638/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,773 · Scale 2, in force from 26 Feb 2026)