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$40,452
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,710
−HK$1,279/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,604
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,002
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,225/mo
Today · 4.125%
HK$47,434
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,868/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,542
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,052
−HK$1,534/mo
Today · 4.125%
HK$51,586
baseline
▲ 0.50% · 4.625%
HK$54,725
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$103,172/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,003
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,451
−HK$1,470/mo
Today · 4.125%
HK$56,921
baseline
▲ 0.50% · 4.625%
HK$59,921
+HK$3,000/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$113,842/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,633
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,394
−HK$1,790/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,846
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,003
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,693
−HK$1,714/mo
Today · 4.125%
HK$66,407
baseline
▲ 0.50% · 4.625%
HK$69,908
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,814/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,814
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,078
−HK$2,302/mo
Today · 4.125%
HK$77,380
baseline
▲ 0.50% · 4.625%
HK$82,088
+HK$4,708/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,760/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,004
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,177
−HK$2,204/mo
Today · 4.125%
HK$85,381
baseline
▲ 0.50% · 4.625%
HK$89,881
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,762/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,254 · Scale 2, in force from 26 Feb 2026)