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$40,377
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,633
−HK$1,276/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,520
+HK$2,611/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,919
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,124
−HK$1,222/mo
Today · 4.125%
HK$47,346
baseline
▲ 0.50% · 4.625%
HK$49,842
+HK$2,496/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,692/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,453
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,960
−HK$1,531/mo
Today · 4.125%
HK$51,491
baseline
▲ 0.50% · 4.625%
HK$54,624
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,982/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,903
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,349
−HK$1,466/mo
Today · 4.125%
HK$56,815
baseline
▲ 0.50% · 4.625%
HK$59,810
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,630/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,528
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,286
−HK$1,787/mo
Today · 4.125%
HK$60,073
baseline
▲ 0.50% · 4.625%
HK$63,728
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,146/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,887
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,573
−HK$1,711/mo
Today · 4.125%
HK$66,284
baseline
▲ 0.50% · 4.625%
HK$69,778
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,568/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,679
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,939
−HK$2,297/mo
Today · 4.125%
HK$77,236
baseline
▲ 0.50% · 4.625%
HK$81,936
+HK$4,700/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,472/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,854
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,023
−HK$2,200/mo
Today · 4.125%
HK$85,223
baseline
▲ 0.50% · 4.625%
HK$89,715
+HK$4,492/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,446/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$664,023 · Scale 2, in force from 26 Feb 2026)