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$40,357
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,275/mo
Today · 4.125%
HK$42,887
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,774/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,896
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,100
−HK$1,222/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$49,816
+HK$2,494/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,428
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,531/mo
Today · 4.125%
HK$51,465
baseline
▲ 0.50% · 4.625%
HK$54,596
+HK$3,131/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,930/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,876
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,321
−HK$1,465/mo
Today · 4.125%
HK$56,786
baseline
▲ 0.50% · 4.625%
HK$59,780
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,572/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,499
−HK$3,543/mo
▼ 0.25% · 3.875%
HK$58,257
−HK$1,785/mo
Today · 4.125%
HK$60,042
baseline
▲ 0.50% · 4.625%
HK$63,696
+HK$3,654/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,084/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,855
−HK$3,396/mo
▼ 0.25% · 3.875%
HK$64,541
−HK$1,710/mo
Today · 4.125%
HK$66,251
baseline
▲ 0.50% · 4.625%
HK$69,743
+HK$3,492/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,502/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,642
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$74,902
−HK$2,295/mo
Today · 4.125%
HK$77,197
baseline
▲ 0.50% · 4.625%
HK$81,895
+HK$4,698/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,394/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,813
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$82,981
−HK$2,199/mo
Today · 4.125%
HK$85,180
baseline
▲ 0.50% · 4.625%
HK$89,669
+HK$4,489/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,360/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,686 · Scale 2, in force from 26 Feb 2026)