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$40,385
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,642
−HK$1,276/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,529
+HK$2,611/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,928
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,133
−HK$1,223/mo
Today · 4.125%
HK$47,356
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,496/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,712/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,462
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,531/mo
Today · 4.125%
HK$51,501
baseline
▲ 0.50% · 4.625%
HK$54,635
+HK$3,134/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$103,002/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,914
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,360
−HK$1,467/mo
Today · 4.125%
HK$56,827
baseline
▲ 0.50% · 4.625%
HK$59,822
+HK$2,995/mo
Deposit HK$7.08M · loan HK$10.63M · min. income ≈ HK$113,654/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,540
−HK$3,545/mo
▼ 0.25% · 3.875%
HK$58,298
−HK$1,787/mo
Today · 4.125%
HK$60,085
baseline
▲ 0.50% · 4.625%
HK$63,741
+HK$3,656/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,170/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,900
−HK$3,398/mo
▼ 0.25% · 3.875%
HK$64,587
−HK$1,711/mo
Today · 4.125%
HK$66,298
baseline
▲ 0.50% · 4.625%
HK$69,793
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,596/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,694
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$74,955
−HK$2,297/mo
Today · 4.125%
HK$77,252
baseline
▲ 0.50% · 4.625%
HK$81,953
+HK$4,701/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,504/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,871
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$83,040
−HK$2,200/mo
Today · 4.125%
HK$85,240
baseline
▲ 0.50% · 4.625%
HK$89,733
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,480/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,159 · Scale 2, in force from 26 Feb 2026)