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$2,538/mo
▼ 0.25% · 3.875%
HK$41,723
−HK$1,279/mo
Today · 4.125%
HK$43,002
baseline
▲ 0.50% · 4.625%
HK$45,618
+HK$2,616/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$86,004/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,016
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,223
−HK$1,225/mo
Today · 4.125%
HK$47,448
baseline
▲ 0.50% · 4.625%
HK$49,949
+HK$2,501/mo
Deposit HK$8.87M · loan HK$8.87M · min. income ≈ HK$94,896/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,067
−HK$1,535/mo
Today · 4.125%
HK$51,602
baseline
▲ 0.50% · 4.625%
HK$54,742
+HK$3,140/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,204/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,019
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,468
−HK$1,470/mo
Today · 4.125%
HK$56,938
baseline
▲ 0.50% · 4.625%
HK$59,939
+HK$3,001/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,876/mo (50% DSR)
Upfront cash ≈ HK$7.76M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,650
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,412
−HK$1,790/mo
Today · 4.125%
HK$60,202
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,664/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$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,022
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,713
−HK$1,714/mo
Today · 4.125%
HK$66,427
baseline
▲ 0.50% · 4.625%
HK$69,929
+HK$3,502/mo
Deposit HK$5.32M · loan HK$12.42M · min. income ≈ HK$132,854/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,836
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$75,101
−HK$2,302/mo
Today · 4.125%
HK$77,403
baseline
▲ 0.50% · 4.625%
HK$82,113
+HK$4,710/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$154,806/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,029
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$83,202
−HK$2,205/mo
Today · 4.125%
HK$85,407
baseline
▲ 0.50% · 4.625%
HK$89,908
+HK$4,501/mo
Deposit HK$1.77M · loan HK$15.97M · min. income ≈ HK$170,814/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,455 · Scale 2, in force from 26 Feb 2026)