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$40,450
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,709
−HK$1,278/mo
Today · 4.125%
HK$42,987
baseline
▲ 0.50% · 4.625%
HK$45,603
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,974/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,001
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,207
−HK$1,225/mo
Today · 4.125%
HK$47,432
baseline
▲ 0.50% · 4.625%
HK$49,932
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,864/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,540
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,534/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,723
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,001
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,449
−HK$1,469/mo
Today · 4.125%
HK$56,918
baseline
▲ 0.50% · 4.625%
HK$59,918
+HK$3,000/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$113,836/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,630
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,392
−HK$1,790/mo
Today · 4.125%
HK$60,182
baseline
▲ 0.50% · 4.625%
HK$63,844
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,364/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,001
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,690
−HK$1,715/mo
Today · 4.125%
HK$66,405
baseline
▲ 0.50% · 4.625%
HK$69,905
+HK$3,500/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,810/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,811
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,075
−HK$2,301/mo
Today · 4.125%
HK$77,376
baseline
▲ 0.50% · 4.625%
HK$82,085
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,752/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,001
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,173
−HK$2,204/mo
Today · 4.125%
HK$85,377
baseline
▲ 0.50% · 4.625%
HK$89,878
+HK$4,501/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,754/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,227 · Scale 2, in force from 26 Feb 2026)