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$40,492
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,751
−HK$1,280/mo
Today · 4.125%
HK$43,031
baseline
▲ 0.50% · 4.625%
HK$45,649
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,062/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,046
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,255
−HK$1,225/mo
Today · 4.125%
HK$47,480
baseline
▲ 0.50% · 4.625%
HK$49,983
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,960/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,590
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,101
−HK$1,536/mo
Today · 4.125%
HK$51,637
baseline
▲ 0.50% · 4.625%
HK$54,779
+HK$3,142/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,274/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,056
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,506
−HK$1,470/mo
Today · 4.125%
HK$56,976
baseline
▲ 0.50% · 4.625%
HK$59,980
+HK$3,004/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,952/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,688
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,452
−HK$1,791/mo
Today · 4.125%
HK$60,243
baseline
▲ 0.50% · 4.625%
HK$63,909
+HK$3,666/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,486/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,065
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,716/mo
Today · 4.125%
HK$66,472
baseline
▲ 0.50% · 4.625%
HK$69,976
+HK$3,504/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,944/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,885
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,152
−HK$2,303/mo
Today · 4.125%
HK$77,455
baseline
▲ 0.50% · 4.625%
HK$82,168
+HK$4,713/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,910/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,084
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,258
−HK$2,206/mo
Today · 4.125%
HK$85,464
baseline
▲ 0.50% · 4.625%
HK$89,969
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,928/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,905 · Scale 2, in force from 26 Feb 2026)