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$40,348
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,603
−HK$1,275/mo
Today · 4.125%
HK$42,878
baseline
▲ 0.50% · 4.625%
HK$45,487
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,756/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,887
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,091
−HK$1,221/mo
Today · 4.125%
HK$47,312
baseline
▲ 0.50% · 4.625%
HK$49,806
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,624/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,418
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,924
−HK$1,530/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,864
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,309
−HK$1,465/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,487
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,245
−HK$1,785/mo
Today · 4.125%
HK$60,030
baseline
▲ 0.50% · 4.625%
HK$63,682
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,060/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,842
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,527
−HK$1,710/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$69,728
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,627
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,886
−HK$2,295/mo
Today · 4.125%
HK$77,181
baseline
▲ 0.50% · 4.625%
HK$81,877
+HK$4,696/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,362/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,797
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,963
−HK$2,199/mo
Today · 4.125%
HK$85,162
baseline
▲ 0.50% · 4.625%
HK$89,651
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,324/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,548 · Scale 2, in force from 26 Feb 2026)