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$40,347
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,275/mo
Today · 4.125%
HK$42,877
baseline
▲ 0.50% · 4.625%
HK$45,486
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,754/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,886
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,090
−HK$1,221/mo
Today · 4.125%
HK$47,311
baseline
▲ 0.50% · 4.625%
HK$49,805
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,622/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,530/mo
Today · 4.125%
HK$51,453
baseline
▲ 0.50% · 4.625%
HK$54,584
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,906/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,863
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,465/mo
Today · 4.125%
HK$56,773
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,546/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,486
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,243
−HK$1,785/mo
Today · 4.125%
HK$60,028
baseline
▲ 0.50% · 4.625%
HK$63,681
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,056/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,840
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,709/mo
Today · 4.125%
HK$66,235
baseline
▲ 0.50% · 4.625%
HK$69,727
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,470/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,625
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,884
−HK$2,295/mo
Today · 4.125%
HK$77,179
baseline
▲ 0.50% · 4.625%
HK$81,876
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,358/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,795
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,962
−HK$2,198/mo
Today · 4.125%
HK$85,160
baseline
▲ 0.50% · 4.625%
HK$89,649
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,320/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,533 · Scale 2, in force from 26 Feb 2026)