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$40,490
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,750
−HK$1,279/mo
Today · 4.125%
HK$43,029
baseline
▲ 0.50% · 4.625%
HK$45,647
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,058/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,045
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,225/mo
Today · 4.125%
HK$47,478
baseline
▲ 0.50% · 4.625%
HK$49,981
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,956/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,588
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,099
−HK$1,536/mo
Today · 4.125%
HK$51,635
baseline
▲ 0.50% · 4.625%
HK$54,777
+HK$3,142/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,270/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,503
−HK$1,471/mo
Today · 4.125%
HK$56,974
baseline
▲ 0.50% · 4.625%
HK$59,977
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,948/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,686
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,449
−HK$1,792/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,906
+HK$3,665/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,482/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,063
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,716/mo
Today · 4.125%
HK$66,470
baseline
▲ 0.50% · 4.625%
HK$69,974
+HK$3,504/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,940/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,882
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,149
−HK$2,303/mo
Today · 4.125%
HK$77,452
baseline
▲ 0.50% · 4.625%
HK$82,165
+HK$4,713/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,904/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,081
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,255
−HK$2,206/mo
Today · 4.125%
HK$85,461
baseline
▲ 0.50% · 4.625%
HK$89,966
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,922/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,881 · Scale 2, in force from 26 Feb 2026)