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$40,373
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,629
−HK$1,275/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,515
+HK$2,611/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,914
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,222/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$49,836
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,447
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,531/mo
Today · 4.125%
HK$51,485
baseline
▲ 0.50% · 4.625%
HK$54,618
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,970/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,897
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,466/mo
Today · 4.125%
HK$56,809
baseline
▲ 0.50% · 4.625%
HK$59,803
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,618/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,522
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,280
−HK$1,786/mo
Today · 4.125%
HK$60,066
baseline
▲ 0.50% · 4.625%
HK$63,721
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,132/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,880
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,566
−HK$1,711/mo
Today · 4.125%
HK$66,277
baseline
▲ 0.50% · 4.625%
HK$69,771
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,554/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,671
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,931
−HK$2,297/mo
Today · 4.125%
HK$77,228
baseline
▲ 0.50% · 4.625%
HK$81,927
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,456/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,846
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$83,014
−HK$2,199/mo
Today · 4.125%
HK$85,213
baseline
▲ 0.50% · 4.625%
HK$89,705
+HK$4,492/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,426/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,950 · Scale 2, in force from 26 Feb 2026)