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$40,340
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,595
−HK$1,275/mo
Today · 4.125%
HK$42,870
baseline
▲ 0.50% · 4.625%
HK$45,478
+HK$2,608/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$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,878
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,081
−HK$1,221/mo
Today · 4.125%
HK$47,302
baseline
▲ 0.50% · 4.625%
HK$49,796
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,604/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,408
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,914
−HK$1,529/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,574
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,853
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,298
−HK$1,465/mo
Today · 4.125%
HK$56,763
baseline
▲ 0.50% · 4.625%
HK$59,755
+HK$2,992/mo
Deposit HK$7.08M · loan HK$10.61M · min. income ≈ HK$113,526/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,476
−HK$3,541/mo
▼ 0.25% · 3.875%
HK$58,233
−HK$1,784/mo
Today · 4.125%
HK$60,017
baseline
▲ 0.50% · 4.625%
HK$63,669
+HK$3,652/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$120,034/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,829
−HK$3,394/mo
▼ 0.25% · 3.875%
HK$64,514
−HK$1,709/mo
Today · 4.125%
HK$66,223
baseline
▲ 0.50% · 4.625%
HK$69,714
+HK$3,491/mo
Deposit HK$5.31M · loan HK$12.38M · min. income ≈ HK$132,446/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,612
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$74,870
−HK$2,295/mo
Today · 4.125%
HK$77,165
baseline
▲ 0.50% · 4.625%
HK$81,860
+HK$4,695/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$154,330/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,780
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$82,946
−HK$2,198/mo
Today · 4.125%
HK$85,144
baseline
▲ 0.50% · 4.625%
HK$89,632
+HK$4,488/mo
Deposit HK$1.77M · loan HK$15.92M · min. income ≈ HK$170,288/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,410 · Scale 2, in force from 26 Feb 2026)