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$40,364
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,275/mo
Today · 4.125%
HK$42,895
baseline
▲ 0.50% · 4.625%
HK$45,505
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,790/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,109
−HK$1,222/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,437
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,944
−HK$1,530/mo
Today · 4.125%
HK$51,474
baseline
▲ 0.50% · 4.625%
HK$54,606
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,948/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,886
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,331
−HK$1,466/mo
Today · 4.125%
HK$56,797
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,594/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,510
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,267
−HK$1,786/mo
Today · 4.125%
HK$60,053
baseline
▲ 0.50% · 4.625%
HK$63,707
+HK$3,654/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,106/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,866
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,553
−HK$1,710/mo
Today · 4.125%
HK$66,263
baseline
▲ 0.50% · 4.625%
HK$69,756
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,526/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,655
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,915
−HK$2,296/mo
Today · 4.125%
HK$77,211
baseline
▲ 0.50% · 4.625%
HK$81,910
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,422/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,828
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,996
−HK$2,199/mo
Today · 4.125%
HK$85,195
baseline
▲ 0.50% · 4.625%
HK$89,686
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,390/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,809 · Scale 2, in force from 26 Feb 2026)