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$40,473
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,279/mo
Today · 4.125%
HK$43,010
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,618/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,020/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,025
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,225/mo
Today · 4.125%
HK$47,458
baseline
▲ 0.50% · 4.625%
HK$49,959
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,916/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,567
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,078
−HK$1,535/mo
Today · 4.125%
HK$51,613
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,226/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,030
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,470/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$59,951
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,662
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,424
−HK$1,791/mo
Today · 4.125%
HK$60,215
baseline
▲ 0.50% · 4.625%
HK$63,879
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,430/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,035
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,726
−HK$1,715/mo
Today · 4.125%
HK$66,441
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,882/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,851
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,117
−HK$2,302/mo
Today · 4.125%
HK$77,419
baseline
▲ 0.50% · 4.625%
HK$82,130
+HK$4,711/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,838/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,045
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,219
−HK$2,205/mo
Today · 4.125%
HK$85,424
baseline
▲ 0.50% · 4.625%
HK$89,927
+HK$4,503/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,848/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,592 · Scale 2, in force from 26 Feb 2026)