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$40,491
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,750
−HK$1,280/mo
Today · 4.125%
HK$43,030
baseline
▲ 0.50% · 4.625%
HK$45,648
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,060/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,045
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,226/mo
Today · 4.125%
HK$47,479
baseline
▲ 0.50% · 4.625%
HK$49,982
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,958/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,589
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,536/mo
Today · 4.125%
HK$51,636
baseline
▲ 0.50% · 4.625%
HK$54,777
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,272/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,471/mo
Today · 4.125%
HK$56,975
baseline
▲ 0.50% · 4.625%
HK$59,978
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,950/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,687
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,450
−HK$1,791/mo
Today · 4.125%
HK$60,241
baseline
▲ 0.50% · 4.625%
HK$63,907
+HK$3,666/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$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,063
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,755
−HK$1,716/mo
Today · 4.125%
HK$66,471
baseline
▲ 0.50% · 4.625%
HK$69,974
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,942/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,883
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,150
−HK$2,303/mo
Today · 4.125%
HK$77,453
baseline
▲ 0.50% · 4.625%
HK$82,166
+HK$4,713/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,906/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,082
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$83,256
−HK$2,206/mo
Today · 4.125%
HK$85,462
baseline
▲ 0.50% · 4.625%
HK$89,967
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,924/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,888 · Scale 2, in force from 26 Feb 2026)