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$40,479
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,280/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,635
+HK$2,617/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,226/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,575
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,086
−HK$1,535/mo
Today · 4.125%
HK$51,621
baseline
▲ 0.50% · 4.625%
HK$54,762
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,242/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,039
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,489
−HK$1,470/mo
Today · 4.125%
HK$56,959
baseline
▲ 0.50% · 4.625%
HK$59,961
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,918/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,671
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,434
−HK$1,791/mo
Today · 4.125%
HK$60,225
baseline
▲ 0.50% · 4.625%
HK$63,889
+HK$3,664/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,450/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,046
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,737
−HK$1,715/mo
Today · 4.125%
HK$66,452
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,904/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,863
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,129
−HK$2,303/mo
Today · 4.125%
HK$77,432
baseline
▲ 0.50% · 4.625%
HK$82,143
+HK$4,711/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,864/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,059
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,233
−HK$2,205/mo
Today · 4.125%
HK$85,438
baseline
▲ 0.50% · 4.625%
HK$89,942
+HK$4,504/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,876/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,702 · Scale 2, in force from 26 Feb 2026)