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$40,458
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,717
−HK$1,279/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,612
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,010
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,217
−HK$1,224/mo
Today · 4.125%
HK$47,441
baseline
▲ 0.50% · 4.625%
HK$49,942
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,882/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,550
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,060
−HK$1,535/mo
Today · 4.125%
HK$51,595
baseline
▲ 0.50% · 4.625%
HK$54,734
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,190/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,012
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,460
−HK$1,470/mo
Today · 4.125%
HK$56,930
baseline
▲ 0.50% · 4.625%
HK$59,930
+HK$3,000/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,860/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,642
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,404
−HK$1,790/mo
Today · 4.125%
HK$60,194
baseline
▲ 0.50% · 4.625%
HK$63,856
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,388/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,013
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,703
−HK$1,715/mo
Today · 4.125%
HK$66,418
baseline
▲ 0.50% · 4.625%
HK$69,919
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,836/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,825
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,091
−HK$2,301/mo
Today · 4.125%
HK$77,392
baseline
▲ 0.50% · 4.625%
HK$82,101
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,784/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,017
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,190
−HK$2,204/mo
Today · 4.125%
HK$85,394
baseline
▲ 0.50% · 4.625%
HK$89,896
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,788/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,361 · Scale 2, in force from 26 Feb 2026)