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$40,331
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,275/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,468
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,868
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,221/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$49,785
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,530/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$3,129/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,841
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,465/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$59,741
+HK$2,991/mo
Deposit HK$7.07M · loan HK$10.61M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,463
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,220
−HK$1,784/mo
Today · 4.125%
HK$60,004
baseline
▲ 0.50% · 4.625%
HK$63,655
+HK$3,651/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,008/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,815
−HK$3,393/mo
▼ 0.25% · 3.875%
HK$64,499
−HK$1,709/mo
Today · 4.125%
HK$66,208
baseline
▲ 0.50% · 4.625%
HK$69,698
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,416/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,596
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$74,854
−HK$2,294/mo
Today · 4.125%
HK$77,148
baseline
▲ 0.50% · 4.625%
HK$81,842
+HK$4,694/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,296/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,762
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,928
−HK$2,197/mo
Today · 4.125%
HK$85,125
baseline
▲ 0.50% · 4.625%
HK$89,612
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,250/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,262 · Scale 2, in force from 26 Feb 2026)