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$40,455
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,714
−HK$1,278/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,608
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,006
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,213
−HK$1,225/mo
Today · 4.125%
HK$47,438
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,876/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,546
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,056
−HK$1,535/mo
Today · 4.125%
HK$51,591
baseline
▲ 0.50% · 4.625%
HK$54,730
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$103,182/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,007
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,456
−HK$1,469/mo
Today · 4.125%
HK$56,925
baseline
▲ 0.50% · 4.625%
HK$59,926
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$113,850/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,637
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,399
−HK$1,790/mo
Today · 4.125%
HK$60,189
baseline
▲ 0.50% · 4.625%
HK$63,851
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,378/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,008
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,698
−HK$1,715/mo
Today · 4.125%
HK$66,413
baseline
▲ 0.50% · 4.625%
HK$69,913
+HK$3,500/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,826/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,819
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,084
−HK$2,302/mo
Today · 4.125%
HK$77,386
baseline
▲ 0.50% · 4.625%
HK$82,095
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,772/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,011
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,183
−HK$2,205/mo
Today · 4.125%
HK$85,388
baseline
▲ 0.50% · 4.625%
HK$89,888
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,776/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,307 · Scale 2, in force from 26 Feb 2026)