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$40,404
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,661
−HK$1,277/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,551
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,223/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$49,875
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,485
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,993
−HK$1,533/mo
Today · 4.125%
HK$51,526
baseline
▲ 0.50% · 4.625%
HK$54,661
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,052/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,939
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,386
−HK$1,467/mo
Today · 4.125%
HK$56,853
baseline
▲ 0.50% · 4.625%
HK$59,850
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,706/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,566
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,326
−HK$1,787/mo
Today · 4.125%
HK$60,113
baseline
▲ 0.50% · 4.625%
HK$63,771
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,226/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,929
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,617
−HK$1,712/mo
Today · 4.125%
HK$66,329
baseline
▲ 0.50% · 4.625%
HK$69,825
+HK$3,496/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,658/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,990
−HK$2,298/mo
Today · 4.125%
HK$77,288
baseline
▲ 0.50% · 4.625%
HK$81,991
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,576/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,909
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,079
−HK$2,201/mo
Today · 4.125%
HK$85,280
baseline
▲ 0.50% · 4.625%
HK$89,775
+HK$4,495/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,560/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,471 · Scale 2, in force from 26 Feb 2026)