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$40,353
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,275/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,492
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,892
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,221/mo
Today · 4.125%
HK$47,317
baseline
▲ 0.50% · 4.625%
HK$49,811
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,634/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,423
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,929
−HK$1,531/mo
Today · 4.125%
HK$51,460
baseline
▲ 0.50% · 4.625%
HK$54,591
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,920/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,870
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,315
−HK$1,466/mo
Today · 4.125%
HK$56,781
baseline
▲ 0.50% · 4.625%
HK$59,774
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,562/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,494
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,251
−HK$1,785/mo
Today · 4.125%
HK$60,036
baseline
▲ 0.50% · 4.625%
HK$63,689
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,072/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,848
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,534
−HK$1,710/mo
Today · 4.125%
HK$66,244
baseline
▲ 0.50% · 4.625%
HK$69,736
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,488/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,635
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,894
−HK$2,295/mo
Today · 4.125%
HK$77,189
baseline
▲ 0.50% · 4.625%
HK$81,886
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,378/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,805
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,972
−HK$2,199/mo
Today · 4.125%
HK$85,171
baseline
▲ 0.50% · 4.625%
HK$89,660
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,342/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,618 · Scale 2, in force from 26 Feb 2026)