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$40,464
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,279/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,618
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,015
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,223
−HK$1,224/mo
Today · 4.125%
HK$47,447
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,894/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,556
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,067
−HK$1,534/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,741
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,018
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,470/mo
Today · 4.125%
HK$56,937
baseline
▲ 0.50% · 4.625%
HK$59,938
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,874/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,649
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,411
−HK$1,791/mo
Today · 4.125%
HK$60,202
baseline
▲ 0.50% · 4.625%
HK$63,865
+HK$3,663/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,404/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,022
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,712
−HK$1,714/mo
Today · 4.125%
HK$66,426
baseline
▲ 0.50% · 4.625%
HK$69,928
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,852/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,835
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,100
−HK$2,302/mo
Today · 4.125%
HK$77,402
baseline
▲ 0.50% · 4.625%
HK$82,112
+HK$4,710/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,804/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,028
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$83,201
−HK$2,204/mo
Today · 4.125%
HK$85,405
baseline
▲ 0.50% · 4.625%
HK$89,907
+HK$4,502/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,810/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,446 · Scale 2, in force from 26 Feb 2026)