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$40,466
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,725
−HK$1,279/mo
Today · 4.125%
HK$43,004
baseline
▲ 0.50% · 4.625%
HK$45,621
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,008/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,018
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,226
−HK$1,225/mo
Today · 4.125%
HK$47,451
baseline
▲ 0.50% · 4.625%
HK$49,952
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,902/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,560
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,070
−HK$1,535/mo
Today · 4.125%
HK$51,605
baseline
▲ 0.50% · 4.625%
HK$54,745
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,210/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,022
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,471
−HK$1,470/mo
Today · 4.125%
HK$56,941
baseline
▲ 0.50% · 4.625%
HK$59,942
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,882/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,653
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,415
−HK$1,790/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,869
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,026
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,716
−HK$1,715/mo
Today · 4.125%
HK$66,431
baseline
▲ 0.50% · 4.625%
HK$69,932
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,862/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,839
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,105
−HK$2,302/mo
Today · 4.125%
HK$77,407
baseline
▲ 0.50% · 4.625%
HK$82,117
+HK$4,710/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,814/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,033
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,206
−HK$2,205/mo
Today · 4.125%
HK$85,411
baseline
▲ 0.50% · 4.625%
HK$89,913
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,822/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,490 · Scale 2, in force from 26 Feb 2026)