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$40,375
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,276/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,917
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,222/mo
Today · 4.125%
HK$47,343
baseline
▲ 0.50% · 4.625%
HK$49,839
+HK$2,496/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,686/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,531/mo
Today · 4.125%
HK$51,488
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,976/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,900
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,345
−HK$1,467/mo
Today · 4.125%
HK$56,812
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,624/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,525
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,283
−HK$1,786/mo
Today · 4.125%
HK$60,069
baseline
▲ 0.50% · 4.625%
HK$63,724
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,138/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,883
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,570
−HK$1,711/mo
Today · 4.125%
HK$66,281
baseline
▲ 0.50% · 4.625%
HK$69,774
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,562/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,675
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,935
−HK$2,297/mo
Today · 4.125%
HK$77,232
baseline
▲ 0.50% · 4.625%
HK$81,931
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,464/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,850
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,018
−HK$2,200/mo
Today · 4.125%
HK$85,218
baseline
▲ 0.50% · 4.625%
HK$89,710
+HK$4,492/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,436/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,984 · Scale 2, in force from 26 Feb 2026)