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$40,391
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,647
−HK$1,277/mo
Today · 4.125%
HK$42,924
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,611/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,848/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,223/mo
Today · 4.125%
HK$47,362
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,496/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,724/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,977
−HK$1,531/mo
Today · 4.125%
HK$51,508
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$3,134/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,016/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,921
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,367
−HK$1,467/mo
Today · 4.125%
HK$56,834
baseline
▲ 0.50% · 4.625%
HK$59,830
+HK$2,996/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,668/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,547
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$58,306
−HK$1,787/mo
Today · 4.125%
HK$60,093
baseline
▲ 0.50% · 4.625%
HK$63,750
+HK$3,657/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$120,186/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,908
−HK$3,399/mo
▼ 0.25% · 3.875%
HK$64,595
−HK$1,712/mo
Today · 4.125%
HK$66,307
baseline
▲ 0.50% · 4.625%
HK$69,802
+HK$3,495/mo
Deposit HK$5.31M · loan HK$12.40M · min. income ≈ HK$132,614/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,703
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$74,965
−HK$2,297/mo
Today · 4.125%
HK$77,262
baseline
▲ 0.50% · 4.625%
HK$81,964
+HK$4,702/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$154,524/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,882
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$83,051
−HK$2,201/mo
Today · 4.125%
HK$85,252
baseline
▲ 0.50% · 4.625%
HK$89,745
+HK$4,493/mo
Deposit HK$1.77M · loan HK$15.94M · min. income ≈ HK$170,504/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,247 · Scale 2, in force from 26 Feb 2026)