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$40,481
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,279/mo
Today · 4.125%
HK$43,020
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,040/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,035
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,243
−HK$1,225/mo
Today · 4.125%
HK$47,468
baseline
▲ 0.50% · 4.625%
HK$49,970
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,936/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,578
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,089
−HK$1,535/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,765
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,042
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,492
−HK$1,470/mo
Today · 4.125%
HK$56,962
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,924/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,674
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,437
−HK$1,791/mo
Today · 4.125%
HK$60,228
baseline
▲ 0.50% · 4.625%
HK$63,893
+HK$3,665/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,456/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,049
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,740
−HK$1,716/mo
Today · 4.125%
HK$66,456
baseline
▲ 0.50% · 4.625%
HK$69,959
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,912/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,867
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,133
−HK$2,303/mo
Today · 4.125%
HK$77,436
baseline
▲ 0.50% · 4.625%
HK$82,148
+HK$4,712/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,872/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,063
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,237
−HK$2,206/mo
Today · 4.125%
HK$85,443
baseline
▲ 0.50% · 4.625%
HK$89,947
+HK$4,504/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,886/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,739 · Scale 2, in force from 26 Feb 2026)