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$40,375
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,631
−HK$1,276/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,518
+HK$2,611/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,917
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,122
−HK$1,222/mo
Today · 4.125%
HK$47,344
baseline
▲ 0.50% · 4.625%
HK$49,839
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,688/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,532/mo
Today · 4.125%
HK$51,489
baseline
▲ 0.50% · 4.625%
HK$54,622
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,978/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,901
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,346
−HK$1,467/mo
Today · 4.125%
HK$56,813
baseline
▲ 0.50% · 4.625%
HK$59,807
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,626/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,525
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,284
−HK$1,786/mo
Today · 4.125%
HK$60,070
baseline
▲ 0.50% · 4.625%
HK$63,725
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,140/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,884
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,570
−HK$1,711/mo
Today · 4.125%
HK$66,281
baseline
▲ 0.50% · 4.625%
HK$69,775
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,562/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,676
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,936
−HK$2,297/mo
Today · 4.125%
HK$77,233
baseline
▲ 0.50% · 4.625%
HK$81,932
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,466/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,851
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,019
−HK$2,200/mo
Today · 4.125%
HK$85,219
baseline
▲ 0.50% · 4.625%
HK$89,711
+HK$4,492/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,438/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,993 · Scale 2, in force from 26 Feb 2026)