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$40,372
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,628
−HK$1,276/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,514
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,914
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,118
−HK$1,222/mo
Today · 4.125%
HK$47,340
baseline
▲ 0.50% · 4.625%
HK$49,835
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,680/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,446
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,953
−HK$1,531/mo
Today · 4.125%
HK$51,484
baseline
▲ 0.50% · 4.625%
HK$54,617
+HK$3,133/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,968/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,896
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,342
−HK$1,466/mo
Today · 4.125%
HK$56,808
baseline
▲ 0.50% · 4.625%
HK$59,802
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,616/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,521
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,279
−HK$1,786/mo
Today · 4.125%
HK$60,065
baseline
▲ 0.50% · 4.625%
HK$63,720
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,130/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,879
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,565
−HK$1,711/mo
Today · 4.125%
HK$66,276
baseline
▲ 0.50% · 4.625%
HK$69,770
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,552/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,670
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$74,930
−HK$2,297/mo
Today · 4.125%
HK$77,227
baseline
▲ 0.50% · 4.625%
HK$81,926
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,454/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,844
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,013
−HK$2,199/mo
Today · 4.125%
HK$85,212
baseline
▲ 0.50% · 4.625%
HK$89,704
+HK$4,492/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,424/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,940 · Scale 2, in force from 26 Feb 2026)