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$40,462
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,720
−HK$1,279/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,616
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,013
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,221
−HK$1,224/mo
Today · 4.125%
HK$47,445
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,890/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,554
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,065
−HK$1,534/mo
Today · 4.125%
HK$51,599
baseline
▲ 0.50% · 4.625%
HK$54,739
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,198/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,016
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,465
−HK$1,469/mo
Today · 4.125%
HK$56,934
baseline
▲ 0.50% · 4.625%
HK$59,936
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,868/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,647
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,409
−HK$1,790/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,862
+HK$3,663/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,019
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,709
−HK$1,715/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$69,925
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,831
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,097
−HK$2,302/mo
Today · 4.125%
HK$77,399
baseline
▲ 0.50% · 4.625%
HK$82,108
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,798/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,024
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,197
−HK$2,205/mo
Today · 4.125%
HK$85,402
baseline
▲ 0.50% · 4.625%
HK$89,903
+HK$4,501/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,804/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,417 · Scale 2, in force from 26 Feb 2026)