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$40,443
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,701
−HK$1,278/mo
Today · 4.125%
HK$42,979
baseline
▲ 0.50% · 4.625%
HK$45,594
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,958/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,992
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,199
−HK$1,224/mo
Today · 4.125%
HK$47,423
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,846/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,041
−HK$1,534/mo
Today · 4.125%
HK$51,575
baseline
▲ 0.50% · 4.625%
HK$54,713
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,150/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,991
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,439
−HK$1,469/mo
Today · 4.125%
HK$56,908
baseline
▲ 0.50% · 4.625%
HK$59,908
+HK$3,000/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,816/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,620
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,381
−HK$1,790/mo
Today · 4.125%
HK$60,171
baseline
▲ 0.50% · 4.625%
HK$63,832
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,342/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,989
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,679
−HK$1,714/mo
Today · 4.125%
HK$66,393
baseline
▲ 0.50% · 4.625%
HK$69,892
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,786/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,797
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,062
−HK$2,301/mo
Today · 4.125%
HK$77,363
baseline
▲ 0.50% · 4.625%
HK$82,070
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,726/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,986
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,158
−HK$2,204/mo
Today · 4.125%
HK$85,362
baseline
▲ 0.50% · 4.625%
HK$89,861
+HK$4,499/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,724/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,107 · Scale 2, in force from 26 Feb 2026)