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$40,475
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,734
−HK$1,279/mo
Today · 4.125%
HK$43,013
baseline
▲ 0.50% · 4.625%
HK$45,630
+HK$2,617/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,026/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,028
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,235
−HK$1,225/mo
Today · 4.125%
HK$47,460
baseline
▲ 0.50% · 4.625%
HK$49,962
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,920/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,569
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,080
−HK$1,535/mo
Today · 4.125%
HK$51,615
baseline
▲ 0.50% · 4.625%
HK$54,756
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,230/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,033
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,482
−HK$1,470/mo
Today · 4.125%
HK$56,952
baseline
▲ 0.50% · 4.625%
HK$59,954
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,904/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,664
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,427
−HK$1,791/mo
Today · 4.125%
HK$60,218
baseline
▲ 0.50% · 4.625%
HK$63,882
+HK$3,664/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,436/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,039
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,729
−HK$1,715/mo
Today · 4.125%
HK$66,444
baseline
▲ 0.50% · 4.625%
HK$69,947
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,888/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,120
−HK$2,303/mo
Today · 4.125%
HK$77,423
baseline
▲ 0.50% · 4.625%
HK$82,134
+HK$4,711/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,846/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,050
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,223
−HK$2,205/mo
Today · 4.125%
HK$85,428
baseline
▲ 0.50% · 4.625%
HK$89,932
+HK$4,504/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,856/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,626 · Scale 2, in force from 26 Feb 2026)