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$40,388
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,644
−HK$1,276/mo
Today · 4.125%
HK$42,920
baseline
▲ 0.50% · 4.625%
HK$45,532
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,840/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,931
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,136
−HK$1,222/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$49,855
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,465
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,973
−HK$1,531/mo
Today · 4.125%
HK$51,504
baseline
▲ 0.50% · 4.625%
HK$54,638
+HK$3,134/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$103,008/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,917
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,363
−HK$1,467/mo
Today · 4.125%
HK$56,830
baseline
▲ 0.50% · 4.625%
HK$59,825
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,660/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,543
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,301
−HK$1,787/mo
Today · 4.125%
HK$60,088
baseline
▲ 0.50% · 4.625%
HK$63,745
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,176/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,903
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,590
−HK$1,712/mo
Today · 4.125%
HK$66,302
baseline
▲ 0.50% · 4.625%
HK$69,796
+HK$3,494/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,604/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,698
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,959
−HK$2,297/mo
Today · 4.125%
HK$77,256
baseline
▲ 0.50% · 4.625%
HK$81,957
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,512/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,875
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,044
−HK$2,201/mo
Today · 4.125%
HK$85,245
baseline
▲ 0.50% · 4.625%
HK$89,738
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,490/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,195 · Scale 2, in force from 26 Feb 2026)