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$2,531/mo
▼ 0.25% · 3.875%
HK$41,606
−HK$1,276/mo
Today · 4.125%
HK$42,882
baseline
▲ 0.50% · 4.625%
HK$45,491
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,764/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,890
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,094
−HK$1,222/mo
Today · 4.125%
HK$47,316
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,632/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,421
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,928
−HK$1,530/mo
Today · 4.125%
HK$51,458
baseline
▲ 0.50% · 4.625%
HK$54,589
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,916/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,868
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,313
−HK$1,466/mo
Today · 4.125%
HK$56,779
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,558/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,492
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,249
−HK$1,785/mo
Today · 4.125%
HK$60,034
baseline
▲ 0.50% · 4.625%
HK$63,687
+HK$3,653/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,068/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,846
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,532
−HK$1,710/mo
Today · 4.125%
HK$66,242
baseline
▲ 0.50% · 4.625%
HK$69,733
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,484/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,632
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,891
−HK$2,296/mo
Today · 4.125%
HK$77,187
baseline
▲ 0.50% · 4.625%
HK$81,883
+HK$4,696/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,374/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,802
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,970
−HK$2,198/mo
Today · 4.125%
HK$85,168
baseline
▲ 0.50% · 4.625%
HK$89,657
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,336/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,596 · Scale 2, in force from 26 Feb 2026)