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$40,343
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,598
−HK$1,275/mo
Today · 4.125%
HK$42,873
baseline
▲ 0.50% · 4.625%
HK$45,482
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,746/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,881
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,085
−HK$1,221/mo
Today · 4.125%
HK$47,306
baseline
▲ 0.50% · 4.625%
HK$49,800
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,612/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,412
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,918
−HK$1,530/mo
Today · 4.125%
HK$51,448
baseline
▲ 0.50% · 4.625%
HK$54,578
+HK$3,130/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,896/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,858
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,302
−HK$1,465/mo
Today · 4.125%
HK$56,767
baseline
▲ 0.50% · 4.625%
HK$59,760
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,534/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,480
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,237
−HK$1,785/mo
Today · 4.125%
HK$60,022
baseline
▲ 0.50% · 4.625%
HK$63,674
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,044/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,834
−HK$3,395/mo
▼ 0.25% · 3.875%
HK$64,519
−HK$1,710/mo
Today · 4.125%
HK$66,229
baseline
▲ 0.50% · 4.625%
HK$69,720
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,458/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,618
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,877
−HK$2,294/mo
Today · 4.125%
HK$77,171
baseline
▲ 0.50% · 4.625%
HK$81,867
+HK$4,696/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,342/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,786
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,953
−HK$2,198/mo
Today · 4.125%
HK$85,151
baseline
▲ 0.50% · 4.625%
HK$89,640
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,302/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,465 · Scale 2, in force from 26 Feb 2026)