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$40,399
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,277/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,545
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,944
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,149
−HK$1,223/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$49,869
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,987
−HK$1,532/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,654
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,933
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,468/mo
Today · 4.125%
HK$56,847
baseline
▲ 0.50% · 4.625%
HK$59,843
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,694/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,559
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,319
−HK$1,787/mo
Today · 4.125%
HK$60,106
baseline
▲ 0.50% · 4.625%
HK$63,763
+HK$3,657/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,212/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,922
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,609
−HK$1,712/mo
Today · 4.125%
HK$66,321
baseline
▲ 0.50% · 4.625%
HK$69,817
+HK$3,496/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,642/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,719
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,981
−HK$2,298/mo
Today · 4.125%
HK$77,279
baseline
▲ 0.50% · 4.625%
HK$81,981
+HK$4,702/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,558/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,899
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,069
−HK$2,201/mo
Today · 4.125%
HK$85,270
baseline
▲ 0.50% · 4.625%
HK$89,765
+HK$4,495/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,540/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,390 · Scale 2, in force from 26 Feb 2026)