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$40,416
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,673
−HK$1,278/mo
Today · 4.125%
HK$42,951
baseline
▲ 0.50% · 4.625%
HK$45,564
+HK$2,613/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$85,902/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,962
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,168
−HK$1,224/mo
Today · 4.125%
HK$47,392
baseline
▲ 0.50% · 4.625%
HK$49,890
+HK$2,498/mo
Deposit HK$8.86M · loan HK$8.86M · min. income ≈ HK$94,784/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,499
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,008
−HK$1,533/mo
Today · 4.125%
HK$51,541
baseline
▲ 0.50% · 4.625%
HK$54,677
+HK$3,136/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$103,082/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,955
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,402
−HK$1,468/mo
Today · 4.125%
HK$56,870
baseline
▲ 0.50% · 4.625%
HK$59,868
+HK$2,998/mo
Deposit HK$7.09M · loan HK$10.63M · min. income ≈ HK$113,740/mo (50% DSR)
Upfront cash ≈ HK$7.75M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,583
−HK$3,548/mo
▼ 0.25% · 3.875%
HK$58,343
−HK$1,788/mo
Today · 4.125%
HK$60,131
baseline
▲ 0.50% · 4.625%
HK$63,790
+HK$3,659/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$120,262/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,947
−HK$3,401/mo
▼ 0.25% · 3.875%
HK$64,636
−HK$1,712/mo
Today · 4.125%
HK$66,348
baseline
▲ 0.50% · 4.625%
HK$69,846
+HK$3,498/mo
Deposit HK$5.32M · loan HK$12.41M · min. income ≈ HK$132,696/mo (50% DSR)
Upfront cash ≈ HK$5.98M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,749
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$75,012
−HK$2,299/mo
Today · 4.125%
HK$77,311
baseline
▲ 0.50% · 4.625%
HK$82,015
+HK$4,704/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$154,622/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,932
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$83,103
−HK$2,202/mo
Today · 4.125%
HK$85,305
baseline
▲ 0.50% · 4.625%
HK$89,802
+HK$4,497/mo
Deposit HK$1.77M · loan HK$15.95M · min. income ≈ HK$170,610/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$664,664 · Scale 2, in force from 26 Feb 2026)