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$40,371
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,275/mo
Today · 4.125%
HK$42,902
baseline
▲ 0.50% · 4.625%
HK$45,513
+HK$2,611/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,804/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,912
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,222/mo
Today · 4.125%
HK$47,339
baseline
▲ 0.50% · 4.625%
HK$49,834
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,678/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,445
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,952
−HK$1,531/mo
Today · 4.125%
HK$51,483
baseline
▲ 0.50% · 4.625%
HK$54,616
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,966/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,895
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,466/mo
Today · 4.125%
HK$56,806
baseline
▲ 0.50% · 4.625%
HK$59,801
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,612/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,519
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,277
−HK$1,786/mo
Today · 4.125%
HK$60,063
baseline
▲ 0.50% · 4.625%
HK$63,718
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,126/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,877
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,563
−HK$1,711/mo
Today · 4.125%
HK$66,274
baseline
▲ 0.50% · 4.625%
HK$69,767
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,548/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,668
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,928
−HK$2,296/mo
Today · 4.125%
HK$77,224
baseline
▲ 0.50% · 4.625%
HK$81,923
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,448/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,842
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,010
−HK$2,200/mo
Today · 4.125%
HK$85,210
baseline
▲ 0.50% · 4.625%
HK$89,701
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,420/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,920 · Scale 2, in force from 26 Feb 2026)