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$40,349
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,604
−HK$1,275/mo
Today · 4.125%
HK$42,879
baseline
▲ 0.50% · 4.625%
HK$45,488
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,758/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,888
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,221/mo
Today · 4.125%
HK$47,313
baseline
▲ 0.50% · 4.625%
HK$49,807
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,626/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,419
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,925
−HK$1,530/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,586
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,310
−HK$1,466/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$59,768
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,552/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,489
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,246
−HK$1,785/mo
Today · 4.125%
HK$60,031
baseline
▲ 0.50% · 4.625%
HK$63,684
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,062/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,843
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,528
−HK$1,710/mo
Today · 4.125%
HK$66,238
baseline
▲ 0.50% · 4.625%
HK$69,730
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,476/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,628
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,887
−HK$2,296/mo
Today · 4.125%
HK$77,183
baseline
▲ 0.50% · 4.625%
HK$81,879
+HK$4,696/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,366/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,798
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,965
−HK$2,198/mo
Today · 4.125%
HK$85,163
baseline
▲ 0.50% · 4.625%
HK$89,652
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,326/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,560 · Scale 2, in force from 26 Feb 2026)