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$40,365
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,276/mo
Today · 4.125%
HK$42,896
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,792/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,110
−HK$1,222/mo
Today · 4.125%
HK$47,332
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,664/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,438
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,944
−HK$1,531/mo
Today · 4.125%
HK$51,475
baseline
▲ 0.50% · 4.625%
HK$54,607
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,950/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,887
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,332
−HK$1,466/mo
Today · 4.125%
HK$56,798
baseline
▲ 0.50% · 4.625%
HK$59,792
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,596/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,511
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,269
−HK$1,785/mo
Today · 4.125%
HK$60,054
baseline
▲ 0.50% · 4.625%
HK$63,709
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,108/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,868
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,554
−HK$1,710/mo
Today · 4.125%
HK$66,264
baseline
▲ 0.50% · 4.625%
HK$69,757
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,528/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,657
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,917
−HK$2,296/mo
Today · 4.125%
HK$77,213
baseline
▲ 0.50% · 4.625%
HK$81,911
+HK$4,698/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,426/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,830
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,998
−HK$2,199/mo
Today · 4.125%
HK$85,197
baseline
▲ 0.50% · 4.625%
HK$89,688
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,394/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,821 · Scale 2, in force from 26 Feb 2026)