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$40,442
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,700
−HK$1,278/mo
Today · 4.125%
HK$42,978
baseline
▲ 0.50% · 4.625%
HK$45,593
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,956/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,992
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,198
−HK$1,224/mo
Today · 4.125%
HK$47,422
baseline
▲ 0.50% · 4.625%
HK$49,922
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,844/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,531
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,040
−HK$1,534/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,712
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,990
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,438
−HK$1,469/mo
Today · 4.125%
HK$56,907
baseline
▲ 0.50% · 4.625%
HK$59,906
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,814/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,619
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,380
−HK$1,790/mo
Today · 4.125%
HK$60,170
baseline
▲ 0.50% · 4.625%
HK$63,831
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,340/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,988
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,678
−HK$1,713/mo
Today · 4.125%
HK$66,391
baseline
▲ 0.50% · 4.625%
HK$69,891
+HK$3,500/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,782/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,796
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,060
−HK$2,301/mo
Today · 4.125%
HK$77,361
baseline
▲ 0.50% · 4.625%
HK$82,068
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,722/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,985
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,157
−HK$2,203/mo
Today · 4.125%
HK$85,360
baseline
▲ 0.50% · 4.625%
HK$89,860
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,720/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,094 · Scale 2, in force from 26 Feb 2026)