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$40,472
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,279/mo
Today · 4.125%
HK$43,010
baseline
▲ 0.50% · 4.625%
HK$45,627
+HK$2,617/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$665,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,025
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,232
−HK$1,225/mo
Today · 4.125%
HK$47,457
baseline
▲ 0.50% · 4.625%
HK$49,959
+HK$2,502/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,914/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,566
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,077
−HK$1,535/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,585 · 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$665,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,661
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,423
−HK$1,791/mo
Today · 4.125%
HK$60,214
baseline
▲ 0.50% · 4.625%
HK$63,878
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,428/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,035
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,715/mo
Today · 4.125%
HK$66,440
baseline
▲ 0.50% · 4.625%
HK$69,942
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,880/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,850
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,116
−HK$2,302/mo
Today · 4.125%
HK$77,418
baseline
▲ 0.50% · 4.625%
HK$82,129
+HK$4,711/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,836/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,045
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,218
−HK$2,205/mo
Today · 4.125%
HK$85,423
baseline
▲ 0.50% · 4.625%
HK$89,926
+HK$4,503/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,846/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,585 · Scale 2, in force from 26 Feb 2026)