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$40,351
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,606
−HK$1,275/mo
Today · 4.125%
HK$42,881
baseline
▲ 0.50% · 4.625%
HK$45,490
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,762/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,890
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,093
−HK$1,222/mo
Today · 4.125%
HK$47,315
baseline
▲ 0.50% · 4.625%
HK$49,809
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,630/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,421
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,927
−HK$1,530/mo
Today · 4.125%
HK$51,457
baseline
▲ 0.50% · 4.625%
HK$54,588
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,914/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,867
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,312
−HK$1,466/mo
Today · 4.125%
HK$56,778
baseline
▲ 0.50% · 4.625%
HK$59,771
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,556/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,491
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,248
−HK$1,785/mo
Today · 4.125%
HK$60,033
baseline
▲ 0.50% · 4.625%
HK$63,686
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,066/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,845
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,531
−HK$1,710/mo
Today · 4.125%
HK$66,241
baseline
▲ 0.50% · 4.625%
HK$69,732
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,482/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,631
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,890
−HK$2,295/mo
Today · 4.125%
HK$77,185
baseline
▲ 0.50% · 4.625%
HK$81,882
+HK$4,697/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,370/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,801
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,968
−HK$2,199/mo
Today · 4.125%
HK$85,167
baseline
▲ 0.50% · 4.625%
HK$89,656
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,334/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,585 · Scale 2, in force from 26 Feb 2026)