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$40,496
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,279/mo
Today · 4.125%
HK$43,035
baseline
▲ 0.50% · 4.625%
HK$45,654
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,070/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,051
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,260
−HK$1,225/mo
Today · 4.125%
HK$47,485
baseline
▲ 0.50% · 4.625%
HK$49,988
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,970/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,595
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,107
−HK$1,535/mo
Today · 4.125%
HK$51,642
baseline
▲ 0.50% · 4.625%
HK$54,785
+HK$3,143/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$103,284/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,062
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,512
−HK$1,470/mo
Today · 4.125%
HK$56,982
baseline
▲ 0.50% · 4.625%
HK$59,986
+HK$3,004/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$113,964/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,694
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,458
−HK$1,792/mo
Today · 4.125%
HK$60,250
baseline
▲ 0.50% · 4.625%
HK$63,916
+HK$3,666/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,500/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,072
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,763
−HK$1,716/mo
Today · 4.125%
HK$66,479
baseline
▲ 0.50% · 4.625%
HK$69,984
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,958/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,893
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,160
−HK$2,304/mo
Today · 4.125%
HK$77,464
baseline
▲ 0.50% · 4.625%
HK$82,177
+HK$4,713/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,928/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,092
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,267
−HK$2,207/mo
Today · 4.125%
HK$85,474
baseline
▲ 0.50% · 4.625%
HK$89,979
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,948/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,978 · Scale 2, in force from 26 Feb 2026)