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$40,386
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,642
−HK$1,276/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,530
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,929
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,134
−HK$1,222/mo
Today · 4.125%
HK$47,356
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,496/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,712/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,463
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,532/mo
Today · 4.125%
HK$51,502
baseline
▲ 0.50% · 4.625%
HK$54,636
+HK$3,134/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$103,004/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,915
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,361
−HK$1,466/mo
Today · 4.125%
HK$56,827
baseline
▲ 0.50% · 4.625%
HK$59,823
+HK$2,996/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,654/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,299
−HK$1,787/mo
Today · 4.125%
HK$60,086
baseline
▲ 0.50% · 4.625%
HK$63,742
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,172/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,900
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,587
−HK$1,712/mo
Today · 4.125%
HK$66,299
baseline
▲ 0.50% · 4.625%
HK$69,793
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,598/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,694
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,956
−HK$2,297/mo
Today · 4.125%
HK$77,253
baseline
▲ 0.50% · 4.625%
HK$81,954
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,506/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,872
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,041
−HK$2,200/mo
Today · 4.125%
HK$85,241
baseline
▲ 0.50% · 4.625%
HK$89,734
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,482/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,166 · Scale 2, in force from 26 Feb 2026)