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$40,489
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,748
−HK$1,280/mo
Today · 4.125%
HK$43,028
baseline
▲ 0.50% · 4.625%
HK$45,646
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,056/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,043
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,251
−HK$1,226/mo
Today · 4.125%
HK$47,477
baseline
▲ 0.50% · 4.625%
HK$49,979
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,954/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,586
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,535/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,775
+HK$3,142/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,052
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,502
−HK$1,470/mo
Today · 4.125%
HK$56,972
baseline
▲ 0.50% · 4.625%
HK$59,975
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,944/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,684
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,447
−HK$1,792/mo
Today · 4.125%
HK$60,239
baseline
▲ 0.50% · 4.625%
HK$63,904
+HK$3,665/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,478/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,061
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,752
−HK$1,715/mo
Today · 4.125%
HK$66,467
baseline
▲ 0.50% · 4.625%
HK$69,971
+HK$3,504/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,934/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,880
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,147
−HK$2,303/mo
Today · 4.125%
HK$77,450
baseline
▲ 0.50% · 4.625%
HK$82,162
+HK$4,712/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,900/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,078
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,252
−HK$2,206/mo
Today · 4.125%
HK$85,458
baseline
▲ 0.50% · 4.625%
HK$89,963
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,916/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,858 · Scale 2, in force from 26 Feb 2026)