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$40,398
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,655
−HK$1,277/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,544
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,943
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,223/mo
Today · 4.125%
HK$47,371
baseline
▲ 0.50% · 4.625%
HK$49,868
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,742/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,478
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,532/mo
Today · 4.125%
HK$51,518
baseline
▲ 0.50% · 4.625%
HK$54,653
+HK$3,135/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,036/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,931
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,378
−HK$1,467/mo
Today · 4.125%
HK$56,845
baseline
▲ 0.50% · 4.625%
HK$59,842
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,690/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,558
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,317
−HK$1,788/mo
Today · 4.125%
HK$60,105
baseline
▲ 0.50% · 4.625%
HK$63,762
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,210/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,920
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,608
−HK$1,711/mo
Today · 4.125%
HK$66,319
baseline
▲ 0.50% · 4.625%
HK$69,815
+HK$3,496/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,638/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,717
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$74,979
−HK$2,298/mo
Today · 4.125%
HK$77,277
baseline
▲ 0.50% · 4.625%
HK$81,979
+HK$4,702/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,554/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,897
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$83,067
−HK$2,201/mo
Today · 4.125%
HK$85,268
baseline
▲ 0.50% · 4.625%
HK$89,762
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,536/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,374 · Scale 2, in force from 26 Feb 2026)