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$40,470
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,278/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$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,022
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,224/mo
Today · 4.125%
HK$47,454
baseline
▲ 0.50% · 4.625%
HK$49,956
+HK$2,502/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$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,564
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,074
−HK$1,535/mo
Today · 4.125%
HK$51,609
baseline
▲ 0.50% · 4.625%
HK$54,749
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,218/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,027
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,470/mo
Today · 4.125%
HK$56,945
baseline
▲ 0.50% · 4.625%
HK$59,947
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,890/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,658
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,420
−HK$1,790/mo
Today · 4.125%
HK$60,210
baseline
▲ 0.50% · 4.625%
HK$63,874
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,420/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,031
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,721
−HK$1,715/mo
Today · 4.125%
HK$66,436
baseline
▲ 0.50% · 4.625%
HK$69,938
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,872/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,845
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,111
−HK$2,302/mo
Today · 4.125%
HK$77,413
baseline
▲ 0.50% · 4.625%
HK$82,124
+HK$4,711/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,826/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,040
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,213
−HK$2,205/mo
Today · 4.125%
HK$85,418
baseline
▲ 0.50% · 4.625%
HK$89,921
+HK$4,503/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,836/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,545 · Scale 2, in force from 26 Feb 2026)