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$40,397
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,654
−HK$1,277/mo
Today · 4.125%
HK$42,931
baseline
▲ 0.50% · 4.625%
HK$45,543
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,862/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,942
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,147
−HK$1,223/mo
Today · 4.125%
HK$47,370
baseline
▲ 0.50% · 4.625%
HK$49,867
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,740/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,477
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,985
−HK$1,532/mo
Today · 4.125%
HK$51,517
baseline
▲ 0.50% · 4.625%
HK$54,652
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,034/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,930
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,377
−HK$1,467/mo
Today · 4.125%
HK$56,844
baseline
▲ 0.50% · 4.625%
HK$59,840
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,688/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,556
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,316
−HK$1,787/mo
Today · 4.125%
HK$60,103
baseline
▲ 0.50% · 4.625%
HK$63,760
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,206/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,919
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,606
−HK$1,712/mo
Today · 4.125%
HK$66,318
baseline
▲ 0.50% · 4.625%
HK$69,814
+HK$3,496/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,636/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,715
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,977
−HK$2,298/mo
Today · 4.125%
HK$77,275
baseline
▲ 0.50% · 4.625%
HK$81,977
+HK$4,702/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,550/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,895
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,065
−HK$2,201/mo
Today · 4.125%
HK$85,266
baseline
▲ 0.50% · 4.625%
HK$89,760
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,532/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,358 · Scale 2, in force from 26 Feb 2026)