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$40,460
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,718
−HK$1,279/mo
Today · 4.125%
HK$42,997
baseline
▲ 0.50% · 4.625%
HK$45,613
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,994/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,218
−HK$1,225/mo
Today · 4.125%
HK$47,443
baseline
▲ 0.50% · 4.625%
HK$49,944
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,886/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,062
−HK$1,534/mo
Today · 4.125%
HK$51,596
baseline
▲ 0.50% · 4.625%
HK$54,736
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,192/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,462
−HK$1,470/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$59,932
+HK$3,000/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,644
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,406
−HK$1,790/mo
Today · 4.125%
HK$60,196
baseline
▲ 0.50% · 4.625%
HK$63,859
+HK$3,663/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,392/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,016
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,706
−HK$1,714/mo
Today · 4.125%
HK$66,420
baseline
▲ 0.50% · 4.625%
HK$69,921
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,840/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,828
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,093
−HK$2,302/mo
Today · 4.125%
HK$77,395
baseline
▲ 0.50% · 4.625%
HK$82,104
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,790/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,020
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,193
−HK$2,204/mo
Today · 4.125%
HK$85,397
baseline
▲ 0.50% · 4.625%
HK$89,899
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,794/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,383 · Scale 2, in force from 26 Feb 2026)