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$40,445
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,704
−HK$1,278/mo
Today · 4.125%
HK$42,982
baseline
▲ 0.50% · 4.625%
HK$45,597
+HK$2,615/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,964/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,995
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,202
−HK$1,224/mo
Today · 4.125%
HK$47,426
baseline
▲ 0.50% · 4.625%
HK$49,926
+HK$2,500/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,852/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,535
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,044
−HK$1,534/mo
Today · 4.125%
HK$51,578
baseline
▲ 0.50% · 4.625%
HK$54,717
+HK$3,139/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$103,156/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,994
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,442
−HK$1,469/mo
Today · 4.125%
HK$56,911
baseline
▲ 0.50% · 4.625%
HK$59,911
+HK$3,000/mo
Deposit HK$7.09M · loan HK$10.64M · min. income ≈ HK$113,822/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,624
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,385
−HK$1,789/mo
Today · 4.125%
HK$60,174
baseline
▲ 0.50% · 4.625%
HK$63,836
+HK$3,662/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,348/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,993
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,683
−HK$1,714/mo
Today · 4.125%
HK$66,397
baseline
▲ 0.50% · 4.625%
HK$69,896
+HK$3,499/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,794/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,802
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$75,066
−HK$2,301/mo
Today · 4.125%
HK$77,367
baseline
▲ 0.50% · 4.625%
HK$82,075
+HK$4,708/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$154,734/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,991
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$83,163
−HK$2,204/mo
Today · 4.125%
HK$85,367
baseline
▲ 0.50% · 4.625%
HK$89,867
+HK$4,500/mo
Deposit HK$1.77M · loan HK$15.96M · min. income ≈ HK$170,734/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,147 · Scale 2, in force from 26 Feb 2026)