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$40,468
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,279/mo
Today · 4.125%
HK$43,005
baseline
▲ 0.50% · 4.625%
HK$45,622
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,010/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,020
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,227
−HK$1,225/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$49,953
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,561
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,072
−HK$1,534/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,024
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,473
−HK$1,470/mo
Today · 4.125%
HK$56,943
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,886/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,655
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,417
−HK$1,791/mo
Today · 4.125%
HK$60,208
baseline
▲ 0.50% · 4.625%
HK$63,871
+HK$3,663/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,416/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,028
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,718
−HK$1,715/mo
Today · 4.125%
HK$66,433
baseline
▲ 0.50% · 4.625%
HK$69,935
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,866/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,842
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,108
−HK$2,302/mo
Today · 4.125%
HK$77,410
baseline
▲ 0.50% · 4.625%
HK$82,120
+HK$4,710/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,820/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,036
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,209
−HK$2,205/mo
Today · 4.125%
HK$85,414
baseline
▲ 0.50% · 4.625%
HK$89,916
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,828/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,513 · Scale 2, in force from 26 Feb 2026)