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$40,367
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,622
−HK$1,276/mo
Today · 4.125%
HK$42,898
baseline
▲ 0.50% · 4.625%
HK$45,508
+HK$2,610/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$85,796/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,907
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,112
−HK$1,222/mo
Today · 4.125%
HK$47,334
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,495/mo
Deposit HK$8.85M · loan HK$8.85M · min. income ≈ HK$94,668/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,531/mo
Today · 4.125%
HK$51,478
baseline
▲ 0.50% · 4.625%
HK$54,610
+HK$3,132/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$102,956/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,889
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,334
−HK$1,466/mo
Today · 4.125%
HK$56,800
baseline
▲ 0.50% · 4.625%
HK$59,794
+HK$2,994/mo
Deposit HK$7.08M · loan HK$10.62M · min. income ≈ HK$113,600/mo (50% DSR)
Upfront cash ≈ HK$7.74M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,513
−HK$3,544/mo
▼ 0.25% · 3.875%
HK$58,271
−HK$1,786/mo
Today · 4.125%
HK$60,057
baseline
▲ 0.50% · 4.625%
HK$63,712
+HK$3,655/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$120,114/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,870
−HK$3,397/mo
▼ 0.25% · 3.875%
HK$64,557
−HK$1,710/mo
Today · 4.125%
HK$66,267
baseline
▲ 0.50% · 4.625%
HK$69,760
+HK$3,493/mo
Deposit HK$5.31M · loan HK$12.39M · min. income ≈ HK$132,534/mo (50% DSR)
Upfront cash ≈ HK$5.97M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,660
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$74,920
−HK$2,296/mo
Today · 4.125%
HK$77,216
baseline
▲ 0.50% · 4.625%
HK$81,915
+HK$4,699/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$154,432/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,833
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$83,001
−HK$2,200/mo
Today · 4.125%
HK$85,201
baseline
▲ 0.50% · 4.625%
HK$89,692
+HK$4,491/mo
Deposit HK$1.77M · loan HK$15.93M · min. income ≈ HK$170,402/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$663,851 · Scale 2, in force from 26 Feb 2026)