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$40,384
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,276/mo
Today · 4.125%
HK$42,916
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,832/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,132
−HK$1,222/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,496/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,461
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,968
−HK$1,532/mo
Today · 4.125%
HK$51,500
baseline
▲ 0.50% · 4.625%
HK$54,633
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$103,000/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,912
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,358
−HK$1,467/mo
Today · 4.125%
HK$56,825
baseline
▲ 0.50% · 4.625%
HK$59,820
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,650/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,537
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,296
−HK$1,787/mo
Today · 4.125%
HK$60,083
baseline
▲ 0.50% · 4.625%
HK$63,739
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,166/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,897
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,584
−HK$1,711/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$69,790
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,691
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,952
−HK$2,297/mo
Today · 4.125%
HK$77,249
baseline
▲ 0.50% · 4.625%
HK$81,950
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,498/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,868
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,037
−HK$2,200/mo
Today · 4.125%
HK$85,237
baseline
▲ 0.50% · 4.625%
HK$89,730
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,474/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,134 · Scale 2, in force from 26 Feb 2026)