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$40,461
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,719
−HK$1,279/mo
Today · 4.125%
HK$42,998
baseline
▲ 0.50% · 4.625%
HK$45,614
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$85,996/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,012
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,219
−HK$1,225/mo
Today · 4.125%
HK$47,444
baseline
▲ 0.50% · 4.625%
HK$49,945
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,888/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,553
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,063
−HK$1,534/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,737
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,015
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,463
−HK$1,470/mo
Today · 4.125%
HK$56,933
baseline
▲ 0.50% · 4.625%
HK$59,934
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,866/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,645
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,407
−HK$1,790/mo
Today · 4.125%
HK$60,197
baseline
▲ 0.50% · 4.625%
HK$63,860
+HK$3,663/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,394/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,017
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,707
−HK$1,715/mo
Today · 4.125%
HK$66,422
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$3,501/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,844/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,829
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,095
−HK$2,301/mo
Today · 4.125%
HK$77,396
baseline
▲ 0.50% · 4.625%
HK$82,106
+HK$4,710/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,792/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,022
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,195
−HK$2,204/mo
Today · 4.125%
HK$85,399
baseline
▲ 0.50% · 4.625%
HK$89,901
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,798/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,397 · Scale 2, in force from 26 Feb 2026)