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$40,454
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,712
−HK$1,279/mo
Today · 4.125%
HK$42,991
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,982/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,004
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,225/mo
Today · 4.125%
HK$47,436
baseline
▲ 0.50% · 4.625%
HK$49,936
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,872/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,535/mo
Today · 4.125%
HK$51,589
baseline
▲ 0.50% · 4.625%
HK$54,728
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$103,178/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,454
−HK$1,469/mo
Today · 4.125%
HK$56,923
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,000/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$113,846/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,635
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,397
−HK$1,790/mo
Today · 4.125%
HK$60,187
baseline
▲ 0.50% · 4.625%
HK$63,849
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,374/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,006
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,696
−HK$1,714/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$69,911
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,817
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,082
−HK$2,301/mo
Today · 4.125%
HK$77,383
baseline
▲ 0.50% · 4.625%
HK$82,092
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,766/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,008
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,180
−HK$2,204/mo
Today · 4.125%
HK$85,384
baseline
▲ 0.50% · 4.625%
HK$89,885
+HK$4,501/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,768/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,283 · Scale 2, in force from 26 Feb 2026)