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$40,477
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,736
−HK$1,279/mo
Today · 4.125%
HK$43,015
baseline
▲ 0.50% · 4.625%
HK$45,632
+HK$2,617/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,030/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,030
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,225/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$49,965
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,572
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,083
−HK$1,535/mo
Today · 4.125%
HK$51,618
baseline
▲ 0.50% · 4.625%
HK$54,759
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,236/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,036
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,485
−HK$1,471/mo
Today · 4.125%
HK$56,956
baseline
▲ 0.50% · 4.625%
HK$59,958
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,912/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,668
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,430
−HK$1,791/mo
Today · 4.125%
HK$60,221
baseline
▲ 0.50% · 4.625%
HK$63,885
+HK$3,664/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,442/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,042
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,715/mo
Today · 4.125%
HK$66,448
baseline
▲ 0.50% · 4.625%
HK$69,951
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,896/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,858
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,125
−HK$2,302/mo
Today · 4.125%
HK$77,427
baseline
▲ 0.50% · 4.625%
HK$82,138
+HK$4,711/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,854/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,054
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,228
−HK$2,205/mo
Today · 4.125%
HK$85,433
baseline
▲ 0.50% · 4.625%
HK$89,937
+HK$4,504/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,866/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,664 · Scale 2, in force from 26 Feb 2026)