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$40,345
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,600
−HK$1,275/mo
Today · 4.125%
HK$42,875
baseline
▲ 0.50% · 4.625%
HK$45,484
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,750/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,883
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,087
−HK$1,221/mo
Today · 4.125%
HK$47,308
baseline
▲ 0.50% · 4.625%
HK$49,802
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,616/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,414
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,920
−HK$1,530/mo
Today · 4.125%
HK$51,450
baseline
▲ 0.50% · 4.625%
HK$54,581
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,900/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,860
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,305
−HK$1,465/mo
Today · 4.125%
HK$56,770
baseline
▲ 0.50% · 4.625%
HK$59,762
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,540/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,483
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,240
−HK$1,785/mo
Today · 4.125%
HK$60,025
baseline
▲ 0.50% · 4.625%
HK$63,677
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,050/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,837
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,522
−HK$1,710/mo
Today · 4.125%
HK$66,232
baseline
▲ 0.50% · 4.625%
HK$69,723
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,464/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,621
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,880
−HK$2,295/mo
Today · 4.125%
HK$77,175
baseline
▲ 0.50% · 4.625%
HK$81,871
+HK$4,696/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,350/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,790
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,957
−HK$2,198/mo
Today · 4.125%
HK$85,155
baseline
▲ 0.50% · 4.625%
HK$89,644
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,310/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,495 · Scale 2, in force from 26 Feb 2026)