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$40,446
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,705
−HK$1,278/mo
Today · 4.125%
HK$42,983
baseline
▲ 0.50% · 4.625%
HK$45,598
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,966/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,996
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,203
−HK$1,224/mo
Today · 4.125%
HK$47,427
baseline
▲ 0.50% · 4.625%
HK$49,927
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,854/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,045
−HK$1,534/mo
Today · 4.125%
HK$51,579
baseline
▲ 0.50% · 4.625%
HK$54,718
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$103,158/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,996
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,444
−HK$1,469/mo
Today · 4.125%
HK$56,913
baseline
▲ 0.50% · 4.625%
HK$59,913
+HK$3,000/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$113,826/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,625
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,386
−HK$1,790/mo
Today · 4.125%
HK$60,176
baseline
▲ 0.50% · 4.625%
HK$63,837
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,352/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,995
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,684
−HK$1,714/mo
Today · 4.125%
HK$66,398
baseline
▲ 0.50% · 4.625%
HK$69,898
+HK$3,500/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,796/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,804
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,068
−HK$2,301/mo
Today · 4.125%
HK$77,369
baseline
▲ 0.50% · 4.625%
HK$82,077
+HK$4,708/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,738/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,165
−HK$2,204/mo
Today · 4.125%
HK$85,369
baseline
▲ 0.50% · 4.625%
HK$89,869
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,738/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,163 · Scale 2, in force from 26 Feb 2026)