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$40,453
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,712
−HK$1,278/mo
Today · 4.125%
HK$42,990
baseline
▲ 0.50% · 4.625%
HK$45,606
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,980/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,004
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,224/mo
Today · 4.125%
HK$47,435
baseline
▲ 0.50% · 4.625%
HK$49,936
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,870/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,534/mo
Today · 4.125%
HK$51,588
baseline
▲ 0.50% · 4.625%
HK$54,727
+HK$3,139/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$103,176/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,453
−HK$1,469/mo
Today · 4.125%
HK$56,922
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.64M · min. income ≈ HK$113,844/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,635
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,396
−HK$1,790/mo
Today · 4.125%
HK$60,186
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,372/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,006
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,715/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$69,910
+HK$3,500/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,816
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$75,081
−HK$2,301/mo
Today · 4.125%
HK$77,382
baseline
▲ 0.50% · 4.625%
HK$82,091
+HK$4,709/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,764/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,007
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,180
−HK$2,204/mo
Today · 4.125%
HK$85,384
baseline
▲ 0.50% · 4.625%
HK$89,884
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,768/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,277 · Scale 2, in force from 26 Feb 2026)