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$40,444
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,702
−HK$1,278/mo
Today · 4.125%
HK$42,980
baseline
▲ 0.50% · 4.625%
HK$45,595
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,960/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,993
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,200
−HK$1,224/mo
Today · 4.125%
HK$47,424
baseline
▲ 0.50% · 4.625%
HK$49,924
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,848/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,042
−HK$1,534/mo
Today · 4.125%
HK$51,576
baseline
▲ 0.50% · 4.625%
HK$54,714
+HK$3,138/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,152/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,992
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,440
−HK$1,469/mo
Today · 4.125%
HK$56,909
baseline
▲ 0.50% · 4.625%
HK$59,909
+HK$3,000/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,818/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,621
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,382
−HK$1,790/mo
Today · 4.125%
HK$60,172
baseline
▲ 0.50% · 4.625%
HK$63,833
+HK$3,661/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,344/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,991
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,680
−HK$1,714/mo
Today · 4.125%
HK$66,394
baseline
▲ 0.50% · 4.625%
HK$69,893
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,788/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,799
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,063
−HK$2,301/mo
Today · 4.125%
HK$77,364
baseline
▲ 0.50% · 4.625%
HK$82,071
+HK$4,707/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,728/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,988
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$83,160
−HK$2,203/mo
Today · 4.125%
HK$85,363
baseline
▲ 0.50% · 4.625%
HK$89,863
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,726/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,118 · Scale 2, in force from 26 Feb 2026)