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$40,344
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,599
−HK$1,275/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,883
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,086
−HK$1,221/mo
Today · 4.125%
HK$47,307
baseline
▲ 0.50% · 4.625%
HK$49,801
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,614/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,413
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,530/mo
Today · 4.125%
HK$51,449
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,898/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,859
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,465/mo
Today · 4.125%
HK$56,769
baseline
▲ 0.50% · 4.625%
HK$59,761
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,538/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,482
−HK$3,542/mo
▼ 0.25% · 3.875%
HK$58,239
−HK$1,785/mo
Today · 4.125%
HK$60,024
baseline
▲ 0.50% · 4.625%
HK$63,676
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,048/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,836
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,521
−HK$1,709/mo
Today · 4.125%
HK$66,230
baseline
▲ 0.50% · 4.625%
HK$69,722
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,460/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,620
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$74,879
−HK$2,295/mo
Today · 4.125%
HK$77,174
baseline
▲ 0.50% · 4.625%
HK$81,869
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,348/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,789
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,955
−HK$2,198/mo
Today · 4.125%
HK$85,153
baseline
▲ 0.50% · 4.625%
HK$89,642
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,306/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,483 · Scale 2, in force from 26 Feb 2026)