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$40,469
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,728
−HK$1,279/mo
Today · 4.125%
HK$43,007
baseline
▲ 0.50% · 4.625%
HK$45,624
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,014/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,021
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,229
−HK$1,225/mo
Today · 4.125%
HK$47,454
baseline
▲ 0.50% · 4.625%
HK$49,955
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,908/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,563
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,073
−HK$1,535/mo
Today · 4.125%
HK$51,608
baseline
▲ 0.50% · 4.625%
HK$54,748
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,216/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,026
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,469/mo
Today · 4.125%
HK$56,944
baseline
▲ 0.50% · 4.625%
HK$59,946
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,888/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,657
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,419
−HK$1,790/mo
Today · 4.125%
HK$60,209
baseline
▲ 0.50% · 4.625%
HK$63,873
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,418/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,030
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,720
−HK$1,715/mo
Today · 4.125%
HK$66,435
baseline
▲ 0.50% · 4.625%
HK$69,937
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,870/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,844
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,110
−HK$2,302/mo
Today · 4.125%
HK$77,412
baseline
▲ 0.50% · 4.625%
HK$82,122
+HK$4,710/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,824/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,038
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,212
−HK$2,205/mo
Today · 4.125%
HK$85,417
baseline
▲ 0.50% · 4.625%
HK$89,919
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,834/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,534 · Scale 2, in force from 26 Feb 2026)