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$40,437
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,695
−HK$1,278/mo
Today · 4.125%
HK$42,973
baseline
▲ 0.50% · 4.625%
HK$45,588
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,946/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,986
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,192
−HK$1,224/mo
Today · 4.125%
HK$47,416
baseline
▲ 0.50% · 4.625%
HK$49,916
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,832/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,525
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,034
−HK$1,533/mo
Today · 4.125%
HK$51,567
baseline
▲ 0.50% · 4.625%
HK$54,705
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,134/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,983
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,431
−HK$1,469/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$59,899
+HK$2,999/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,612
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,373
−HK$1,789/mo
Today · 4.125%
HK$60,162
baseline
▲ 0.50% · 4.625%
HK$63,823
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,324/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,980
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,669
−HK$1,714/mo
Today · 4.125%
HK$66,383
baseline
▲ 0.50% · 4.625%
HK$69,882
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,766/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,787
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$75,051
−HK$2,300/mo
Today · 4.125%
HK$77,351
baseline
▲ 0.50% · 4.625%
HK$82,058
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,702/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,975
−HK$4,374/mo
▼ 0.25% · 3.875%
HK$83,146
−HK$2,203/mo
Today · 4.125%
HK$85,349
baseline
▲ 0.50% · 4.625%
HK$89,848
+HK$4,499/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,698/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,010 · Scale 2, in force from 26 Feb 2026)