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$40,478
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,280/mo
Today · 4.125%
HK$43,017
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,617/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,034/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,032
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,239
−HK$1,225/mo
Today · 4.125%
HK$47,464
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,928/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,574
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,085
−HK$1,535/mo
Today · 4.125%
HK$51,620
baseline
▲ 0.50% · 4.625%
HK$54,761
+HK$3,141/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,240/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,038
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,487
−HK$1,470/mo
Today · 4.125%
HK$56,957
baseline
▲ 0.50% · 4.625%
HK$59,960
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,914/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,669
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,432
−HK$1,791/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,665/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,044
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,735
−HK$1,715/mo
Today · 4.125%
HK$66,450
baseline
▲ 0.50% · 4.625%
HK$69,953
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,900/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,861
−HK$4,569/mo
▼ 0.25% · 3.875%
HK$75,127
−HK$2,303/mo
Today · 4.125%
HK$77,430
baseline
▲ 0.50% · 4.625%
HK$82,141
+HK$4,711/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,860/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,057
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$83,231
−HK$2,205/mo
Today · 4.125%
HK$85,436
baseline
▲ 0.50% · 4.625%
HK$89,940
+HK$4,504/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,872/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,685 · Scale 2, in force from 26 Feb 2026)