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$40,432
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,278/mo
Today · 4.125%
HK$42,968
baseline
▲ 0.50% · 4.625%
HK$45,582
+HK$2,614/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,936/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,980
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,187
−HK$1,224/mo
Today · 4.125%
HK$47,411
baseline
▲ 0.50% · 4.625%
HK$49,910
+HK$2,499/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,822/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,028
−HK$1,533/mo
Today · 4.125%
HK$51,561
baseline
▲ 0.50% · 4.625%
HK$54,699
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,122/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,977
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,424
−HK$1,469/mo
Today · 4.125%
HK$56,893
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,786/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,605
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,366
−HK$1,789/mo
Today · 4.125%
HK$60,155
baseline
▲ 0.50% · 4.625%
HK$63,815
+HK$3,660/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,310/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,973
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,662
−HK$1,713/mo
Today · 4.125%
HK$66,375
baseline
▲ 0.50% · 4.625%
HK$69,874
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,750/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,778
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,042
−HK$2,300/mo
Today · 4.125%
HK$77,342
baseline
▲ 0.50% · 4.625%
HK$82,048
+HK$4,706/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,684/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,965
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,136
−HK$2,203/mo
Today · 4.125%
HK$85,339
baseline
▲ 0.50% · 4.625%
HK$89,837
+HK$4,498/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,678/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,929 · Scale 2, in force from 26 Feb 2026)