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$40,380
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,636
−HK$1,276/mo
Today · 4.125%
HK$42,912
baseline
▲ 0.50% · 4.625%
HK$45,524
+HK$2,612/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,824/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,923
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,127
−HK$1,223/mo
Today · 4.125%
HK$47,350
baseline
▲ 0.50% · 4.625%
HK$49,845
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,700/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,456
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,964
−HK$1,531/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,628
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,907
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,353
−HK$1,467/mo
Today · 4.125%
HK$56,820
baseline
▲ 0.50% · 4.625%
HK$59,815
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,640/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,532
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,291
−HK$1,786/mo
Today · 4.125%
HK$60,077
baseline
▲ 0.50% · 4.625%
HK$63,733
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,154/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,892
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,578
−HK$1,711/mo
Today · 4.125%
HK$66,289
baseline
▲ 0.50% · 4.625%
HK$69,784
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,578/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,684
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,945
−HK$2,297/mo
Today · 4.125%
HK$77,242
baseline
▲ 0.50% · 4.625%
HK$81,942
+HK$4,700/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,484/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,861
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,029
−HK$2,200/mo
Today · 4.125%
HK$85,229
baseline
▲ 0.50% · 4.625%
HK$89,722
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,458/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$664,074 · Scale 2, in force from 26 Feb 2026)