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$40,360
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,615
−HK$1,276/mo
Today · 4.125%
HK$42,891
baseline
▲ 0.50% · 4.625%
HK$45,500
+HK$2,609/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,782/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,900
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,104
−HK$1,222/mo
Today · 4.125%
HK$47,326
baseline
▲ 0.50% · 4.625%
HK$49,820
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,652/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,432
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,531/mo
Today · 4.125%
HK$51,469
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,938/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,880
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,325
−HK$1,466/mo
Today · 4.125%
HK$56,791
baseline
▲ 0.50% · 4.625%
HK$59,784
+HK$2,993/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,582/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,504
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,261
−HK$1,786/mo
Today · 4.125%
HK$60,047
baseline
▲ 0.50% · 4.625%
HK$63,701
+HK$3,654/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,094/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,860
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,546
−HK$1,710/mo
Today · 4.125%
HK$66,256
baseline
▲ 0.50% · 4.625%
HK$69,748
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,512/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,647
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,907
−HK$2,296/mo
Today · 4.125%
HK$77,203
baseline
▲ 0.50% · 4.625%
HK$81,901
+HK$4,698/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,406/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,820
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$82,987
−HK$2,199/mo
Today · 4.125%
HK$85,186
baseline
▲ 0.50% · 4.625%
HK$89,676
+HK$4,490/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,372/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,737 · Scale 2, in force from 26 Feb 2026)