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$40,370
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,626
−HK$1,276/mo
Today · 4.125%
HK$42,902
baseline
▲ 0.50% · 4.625%
HK$45,512
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,804/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,911
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,116
−HK$1,222/mo
Today · 4.125%
HK$47,338
baseline
▲ 0.50% · 4.625%
HK$49,833
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,676/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,951
−HK$1,531/mo
Today · 4.125%
HK$51,482
baseline
▲ 0.50% · 4.625%
HK$54,615
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,964/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,894
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,339
−HK$1,466/mo
Today · 4.125%
HK$56,805
baseline
▲ 0.50% · 4.625%
HK$59,800
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,610/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,518
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,276
−HK$1,786/mo
Today · 4.125%
HK$60,062
baseline
▲ 0.50% · 4.625%
HK$63,717
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,124/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,876
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,562
−HK$1,711/mo
Today · 4.125%
HK$66,273
baseline
▲ 0.50% · 4.625%
HK$69,766
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,546/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,666
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,927
−HK$2,296/mo
Today · 4.125%
HK$77,223
baseline
▲ 0.50% · 4.625%
HK$81,922
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,446/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,840
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,009
−HK$2,199/mo
Today · 4.125%
HK$85,208
baseline
▲ 0.50% · 4.625%
HK$89,699
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,416/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,908 · Scale 2, in force from 26 Feb 2026)