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$40,470
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,279/mo
Today · 4.125%
HK$43,008
baseline
▲ 0.50% · 4.625%
HK$45,625
+HK$2,617/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,016/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,023
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,225/mo
Today · 4.125%
HK$47,455
baseline
▲ 0.50% · 4.625%
HK$49,957
+HK$2,502/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,910/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,564
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,535/mo
Today · 4.125%
HK$51,610
baseline
▲ 0.50% · 4.625%
HK$54,750
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,220/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,027
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,476
−HK$1,470/mo
Today · 4.125%
HK$56,946
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,002/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,892/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,658
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,421
−HK$1,790/mo
Today · 4.125%
HK$60,211
baseline
▲ 0.50% · 4.625%
HK$63,875
+HK$3,664/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$120,422/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,032
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,722
−HK$1,715/mo
Today · 4.125%
HK$66,437
baseline
▲ 0.50% · 4.625%
HK$69,939
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,874/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,846
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$75,112
−HK$2,302/mo
Today · 4.125%
HK$77,414
baseline
▲ 0.50% · 4.625%
HK$82,125
+HK$4,711/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,828/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,041
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,214
−HK$2,205/mo
Today · 4.125%
HK$85,419
baseline
▲ 0.50% · 4.625%
HK$89,922
+HK$4,503/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,838/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,554 · Scale 2, in force from 26 Feb 2026)