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$40,363
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,619
−HK$1,275/mo
Today · 4.125%
HK$42,894
baseline
▲ 0.50% · 4.625%
HK$45,504
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,788/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,903
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,108
−HK$1,221/mo
Today · 4.125%
HK$47,329
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,658/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,436
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,942
−HK$1,531/mo
Today · 4.125%
HK$51,473
baseline
▲ 0.50% · 4.625%
HK$54,605
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,946/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,884
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,329
−HK$1,466/mo
Today · 4.125%
HK$56,795
baseline
▲ 0.50% · 4.625%
HK$59,789
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,590/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,508
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,266
−HK$1,786/mo
Today · 4.125%
HK$60,052
baseline
▲ 0.50% · 4.625%
HK$63,706
+HK$3,654/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,104/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,865
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,551
−HK$1,710/mo
Today · 4.125%
HK$66,261
baseline
▲ 0.50% · 4.625%
HK$69,754
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,522/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,653
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,913
−HK$2,296/mo
Today · 4.125%
HK$77,209
baseline
▲ 0.50% · 4.625%
HK$81,907
+HK$4,698/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,418/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,826
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,994
−HK$2,199/mo
Today · 4.125%
HK$85,193
baseline
▲ 0.50% · 4.625%
HK$89,684
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,386/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,792 · Scale 2, in force from 26 Feb 2026)