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$40,335
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,590
−HK$1,275/mo
Today · 4.125%
HK$42,865
baseline
▲ 0.50% · 4.625%
HK$45,473
+HK$2,608/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$85,730/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,873
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,076
−HK$1,221/mo
Today · 4.125%
HK$47,297
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,493/mo
Deposit HK$8.84M · loan HK$8.84M · min. income ≈ HK$94,594/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,402
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,908
−HK$1,530/mo
Today · 4.125%
HK$51,438
baseline
▲ 0.50% · 4.625%
HK$54,567
+HK$3,129/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,876/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,847
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,465/mo
Today · 4.125%
HK$56,756
baseline
▲ 0.50% · 4.625%
HK$59,748
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,512/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,469
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,226
−HK$1,784/mo
Today · 4.125%
HK$60,010
baseline
▲ 0.50% · 4.625%
HK$63,662
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,020/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,822
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,506
−HK$1,710/mo
Today · 4.125%
HK$66,216
baseline
▲ 0.50% · 4.625%
HK$69,706
+HK$3,490/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,432/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,603
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,862
−HK$2,294/mo
Today · 4.125%
HK$77,156
baseline
▲ 0.50% · 4.625%
HK$81,851
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,312/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,771
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$82,937
−HK$2,197/mo
Today · 4.125%
HK$85,134
baseline
▲ 0.50% · 4.625%
HK$89,622
+HK$4,488/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,268/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,334 · Scale 2, in force from 26 Feb 2026)