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$40,341
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,595
−HK$1,275/mo
Today · 4.125%
HK$42,870
baseline
▲ 0.50% · 4.625%
HK$45,479
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,740/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,879
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,082
−HK$1,221/mo
Today · 4.125%
HK$47,303
baseline
▲ 0.50% · 4.625%
HK$49,797
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,606/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,409
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,529/mo
Today · 4.125%
HK$51,444
baseline
▲ 0.50% · 4.625%
HK$54,575
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,888/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,854
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,299
−HK$1,465/mo
Today · 4.125%
HK$56,764
baseline
▲ 0.50% · 4.625%
HK$59,756
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,528/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,477
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,234
−HK$1,784/mo
Today · 4.125%
HK$60,018
baseline
▲ 0.50% · 4.625%
HK$63,670
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,036/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,830
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,515
−HK$1,709/mo
Today · 4.125%
HK$66,224
baseline
▲ 0.50% · 4.625%
HK$69,715
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,448/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,613
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,872
−HK$2,295/mo
Today · 4.125%
HK$77,167
baseline
▲ 0.50% · 4.625%
HK$81,862
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,334/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,781
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$82,948
−HK$2,198/mo
Today · 4.125%
HK$85,146
baseline
▲ 0.50% · 4.625%
HK$89,634
+HK$4,488/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,292/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,423 · Scale 2, in force from 26 Feb 2026)