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$40,332
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,587
−HK$1,275/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,470
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,869
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,073
−HK$1,221/mo
Today · 4.125%
HK$47,294
baseline
▲ 0.50% · 4.625%
HK$49,787
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,588/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,904
−HK$1,530/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,564
+HK$3,130/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,843
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,287
−HK$1,465/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$59,744
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,465
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,222
−HK$1,784/mo
Today · 4.125%
HK$60,006
baseline
▲ 0.50% · 4.625%
HK$63,658
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,012/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,817
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,502
−HK$1,709/mo
Today · 4.125%
HK$66,211
baseline
▲ 0.50% · 4.625%
HK$69,701
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,422/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,598
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,857
−HK$2,294/mo
Today · 4.125%
HK$77,151
baseline
▲ 0.50% · 4.625%
HK$81,845
+HK$4,694/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,302/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,765
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,931
−HK$2,198/mo
Today · 4.125%
HK$85,129
baseline
▲ 0.50% · 4.625%
HK$89,616
+HK$4,487/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,258/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,289 · Scale 2, in force from 26 Feb 2026)