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$40,392
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,277/mo
Today · 4.125%
HK$42,925
baseline
▲ 0.50% · 4.625%
HK$45,537
+HK$2,612/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,850/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,936
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,141
−HK$1,222/mo
Today · 4.125%
HK$47,363
baseline
▲ 0.50% · 4.625%
HK$49,860
+HK$2,497/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,726/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,470
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,978
−HK$1,532/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,644
+HK$3,134/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,467/mo
Today · 4.125%
HK$56,836
baseline
▲ 0.50% · 4.625%
HK$59,832
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,672/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,549
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,308
−HK$1,787/mo
Today · 4.125%
HK$60,095
baseline
▲ 0.50% · 4.625%
HK$63,752
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,190/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,910
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,597
−HK$1,712/mo
Today · 4.125%
HK$66,309
baseline
▲ 0.50% · 4.625%
HK$69,804
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,618/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,706
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,967
−HK$2,298/mo
Today · 4.125%
HK$77,265
baseline
▲ 0.50% · 4.625%
HK$81,966
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,530/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,884
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,053
−HK$2,201/mo
Today · 4.125%
HK$85,254
baseline
▲ 0.50% · 4.625%
HK$89,748
+HK$4,494/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,508/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,268 · Scale 2, in force from 26 Feb 2026)