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$40,484
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,743
−HK$1,279/mo
Today · 4.125%
HK$43,022
baseline
▲ 0.50% · 4.625%
HK$45,640
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,044/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,038
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,245
−HK$1,226/mo
Today · 4.125%
HK$47,471
baseline
▲ 0.50% · 4.625%
HK$49,973
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,942/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,580
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,091
−HK$1,536/mo
Today · 4.125%
HK$51,627
baseline
▲ 0.50% · 4.625%
HK$54,768
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,254/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,045
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,495
−HK$1,470/mo
Today · 4.125%
HK$56,965
baseline
▲ 0.50% · 4.625%
HK$59,968
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,930/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,677
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,440
−HK$1,791/mo
Today · 4.125%
HK$60,231
baseline
▲ 0.50% · 4.625%
HK$63,896
+HK$3,665/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,462/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,053
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,744
−HK$1,715/mo
Today · 4.125%
HK$66,459
baseline
▲ 0.50% · 4.625%
HK$69,962
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,918/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,870
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,137
−HK$2,303/mo
Today · 4.125%
HK$77,440
baseline
▲ 0.50% · 4.625%
HK$82,152
+HK$4,712/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,880/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,068
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,242
−HK$2,205/mo
Today · 4.125%
HK$85,447
baseline
▲ 0.50% · 4.625%
HK$89,952
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,894/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,774 · Scale 2, in force from 26 Feb 2026)