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$40,441
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,278/mo
Today · 4.125%
HK$42,977
baseline
▲ 0.50% · 4.625%
HK$45,592
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,954/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,990
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,197
−HK$1,224/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$49,921
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,529
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,039
−HK$1,534/mo
Today · 4.125%
HK$51,573
baseline
▲ 0.50% · 4.625%
HK$54,711
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,146/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,989
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,436
−HK$1,469/mo
Today · 4.125%
HK$56,905
baseline
▲ 0.50% · 4.625%
HK$59,905
+HK$3,000/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,810/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,618
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,379
−HK$1,789/mo
Today · 4.125%
HK$60,168
baseline
▲ 0.50% · 4.625%
HK$63,829
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,336/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,987
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,676
−HK$1,714/mo
Today · 4.125%
HK$66,390
baseline
▲ 0.50% · 4.625%
HK$69,889
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,780/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,794
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,058
−HK$2,301/mo
Today · 4.125%
HK$77,359
baseline
▲ 0.50% · 4.625%
HK$82,066
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,718/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,983
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,155
−HK$2,203/mo
Today · 4.125%
HK$85,358
baseline
▲ 0.50% · 4.625%
HK$89,857
+HK$4,499/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,716/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,077 · Scale 2, in force from 26 Feb 2026)