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$40,408
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,665
−HK$1,277/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,555
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,954
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,159
−HK$1,223/mo
Today · 4.125%
HK$47,382
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,764/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,490
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,998
−HK$1,533/mo
Today · 4.125%
HK$51,531
baseline
▲ 0.50% · 4.625%
HK$54,666
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,062/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,944
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,468/mo
Today · 4.125%
HK$56,859
baseline
▲ 0.50% · 4.625%
HK$59,856
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,718/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,572
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,331
−HK$1,788/mo
Today · 4.125%
HK$60,119
baseline
▲ 0.50% · 4.625%
HK$63,777
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,238/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,935
−HK$3,400/mo
▼ 0.25% · 3.875%
HK$64,623
−HK$1,712/mo
Today · 4.125%
HK$66,335
baseline
▲ 0.50% · 4.625%
HK$69,832
+HK$3,497/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,670/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,735
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,997
−HK$2,299/mo
Today · 4.125%
HK$77,296
baseline
▲ 0.50% · 4.625%
HK$81,999
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,592/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,917
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,087
−HK$2,201/mo
Today · 4.125%
HK$85,288
baseline
▲ 0.50% · 4.625%
HK$89,784
+HK$4,496/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,576/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,535 · Scale 2, in force from 26 Feb 2026)