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$40,357
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,276/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,221/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,428
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,935
−HK$1,530/mo
Today · 4.125%
HK$51,465
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,930/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,876
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,321
−HK$1,466/mo
Today · 4.125%
HK$56,787
baseline
▲ 0.50% · 4.625%
HK$59,780
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,574/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,500
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,257
−HK$1,786/mo
Today · 4.125%
HK$60,043
baseline
▲ 0.50% · 4.625%
HK$63,696
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,086/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,855
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,541
−HK$1,710/mo
Today · 4.125%
HK$66,251
baseline
▲ 0.50% · 4.625%
HK$69,744
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,502/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,643
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,902
−HK$2,296/mo
Today · 4.125%
HK$77,198
baseline
▲ 0.50% · 4.625%
HK$81,895
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,396/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,814
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,982
−HK$2,198/mo
Today · 4.125%
HK$85,180
baseline
▲ 0.50% · 4.625%
HK$89,670
+HK$4,490/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,360/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,692 · Scale 2, in force from 26 Feb 2026)