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$40,392
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,649
−HK$1,276/mo
Today · 4.125%
HK$42,925
baseline
▲ 0.50% · 4.625%
HK$45,537
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,850/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,936
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,141
−HK$1,223/mo
Today · 4.125%
HK$47,364
baseline
▲ 0.50% · 4.625%
HK$49,860
+HK$2,496/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,728/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,471
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,979
−HK$1,531/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,645
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,468/mo
Today · 4.125%
HK$56,837
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,674/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,787/mo
Today · 4.125%
HK$60,095
baseline
▲ 0.50% · 4.625%
HK$63,752
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,190/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,910
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,598
−HK$1,711/mo
Today · 4.125%
HK$66,309
baseline
▲ 0.50% · 4.625%
HK$69,805
+HK$3,496/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,618/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,706
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,968
−HK$2,298/mo
Today · 4.125%
HK$77,266
baseline
▲ 0.50% · 4.625%
HK$81,967
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,532/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,885
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,054
−HK$2,201/mo
Today · 4.125%
HK$85,255
baseline
▲ 0.50% · 4.625%
HK$89,749
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,510/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,273 · Scale 2, in force from 26 Feb 2026)