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$40,359
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,275/mo
Today · 4.125%
HK$42,890
baseline
▲ 0.50% · 4.625%
HK$45,500
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,780/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,900
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,104
−HK$1,221/mo
Today · 4.125%
HK$47,325
baseline
▲ 0.50% · 4.625%
HK$49,820
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,650/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,431
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,530/mo
Today · 4.125%
HK$51,468
baseline
▲ 0.50% · 4.625%
HK$54,600
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,936/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,879
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,324
−HK$1,466/mo
Today · 4.125%
HK$56,790
baseline
▲ 0.50% · 4.625%
HK$59,784
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,580/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,503
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,261
−HK$1,786/mo
Today · 4.125%
HK$60,047
baseline
▲ 0.50% · 4.625%
HK$63,700
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,094/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,859
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,710/mo
Today · 4.125%
HK$66,255
baseline
▲ 0.50% · 4.625%
HK$69,748
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,510/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,647
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,907
−HK$2,296/mo
Today · 4.125%
HK$77,203
baseline
▲ 0.50% · 4.625%
HK$81,900
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,406/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,819
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,987
−HK$2,199/mo
Today · 4.125%
HK$85,186
baseline
▲ 0.50% · 4.625%
HK$89,676
+HK$4,490/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,372/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,733 · Scale 2, in force from 26 Feb 2026)