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$40,424
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,681
−HK$1,277/mo
Today · 4.125%
HK$42,958
baseline
▲ 0.50% · 4.625%
HK$45,572
+HK$2,614/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$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,971
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,177
−HK$1,223/mo
Today · 4.125%
HK$47,400
baseline
▲ 0.50% · 4.625%
HK$49,899
+HK$2,499/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,800/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,508
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,533/mo
Today · 4.125%
HK$51,550
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$3,137/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,100/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,965
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,412
−HK$1,469/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$59,879
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,593
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,353
−HK$1,789/mo
Today · 4.125%
HK$60,142
baseline
▲ 0.50% · 4.625%
HK$63,801
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,284/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,959
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,648
−HK$1,713/mo
Today · 4.125%
HK$66,361
baseline
▲ 0.50% · 4.625%
HK$69,859
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,722/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,762
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$75,026
−HK$2,299/mo
Today · 4.125%
HK$77,325
baseline
▲ 0.50% · 4.625%
HK$82,030
+HK$4,705/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,650/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,947
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,118
−HK$2,203/mo
Today · 4.125%
HK$85,321
baseline
▲ 0.50% · 4.625%
HK$89,818
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,642/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,787 · Scale 2, in force from 26 Feb 2026)