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$40,407
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,664
−HK$1,277/mo
Today · 4.125%
HK$42,941
baseline
▲ 0.50% · 4.625%
HK$45,554
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,882/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,952
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,158
−HK$1,223/mo
Today · 4.125%
HK$47,381
baseline
▲ 0.50% · 4.625%
HK$49,879
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,762/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,488
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,997
−HK$1,532/mo
Today · 4.125%
HK$51,529
baseline
▲ 0.50% · 4.625%
HK$54,665
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,058/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,943
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,390
−HK$1,467/mo
Today · 4.125%
HK$56,857
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$2,997/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,714/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,570
−HK$3,547/mo
▼ 0.25% · 3.875%
HK$58,330
−HK$1,787/mo
Today · 4.125%
HK$60,117
baseline
▲ 0.50% · 4.625%
HK$63,775
+HK$3,658/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$120,234/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,933
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,621
−HK$1,713/mo
Today · 4.125%
HK$66,334
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$3,496/mo
Deposit HK$5.32M · loan HK$12.40M · min. income ≈ HK$132,668/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,733
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$74,995
−HK$2,299/mo
Today · 4.125%
HK$77,294
baseline
▲ 0.50% · 4.625%
HK$81,997
+HK$4,703/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,588/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,914
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$83,085
−HK$2,201/mo
Today · 4.125%
HK$85,286
baseline
▲ 0.50% · 4.625%
HK$89,782
+HK$4,496/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,572/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,516 · Scale 2, in force from 26 Feb 2026)