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$40,348
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,603
−HK$1,275/mo
Today · 4.125%
HK$42,878
baseline
▲ 0.50% · 4.625%
HK$45,487
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,756/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,539 · 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$663,539 · 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$663,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,864
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,466/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,487
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,244
−HK$1,785/mo
Today · 4.125%
HK$60,029
baseline
▲ 0.50% · 4.625%
HK$63,682
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,058/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,841
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,710/mo
Today · 4.125%
HK$66,236
baseline
▲ 0.50% · 4.625%
HK$69,727
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,472/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,626
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,885
−HK$2,295/mo
Today · 4.125%
HK$77,180
baseline
▲ 0.50% · 4.625%
HK$81,876
+HK$4,696/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,360/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,796
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,962
−HK$2,199/mo
Today · 4.125%
HK$85,161
baseline
▲ 0.50% · 4.625%
HK$89,650
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,322/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,539 · Scale 2, in force from 26 Feb 2026)