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$40,487
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,746
−HK$1,280/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,644
+HK$2,618/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,041
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,249
−HK$1,226/mo
Today · 4.125%
HK$47,475
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,502/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,950/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,584
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,535/mo
Today · 4.125%
HK$51,631
baseline
▲ 0.50% · 4.625%
HK$54,773
+HK$3,142/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$103,262/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,050
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,499
−HK$1,471/mo
Today · 4.125%
HK$56,970
baseline
▲ 0.50% · 4.625%
HK$59,973
+HK$3,003/mo
Deposit HK$7.10M · loan HK$10.65M · min. income ≈ HK$113,940/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,682
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,445
−HK$1,791/mo
Today · 4.125%
HK$60,236
baseline
▲ 0.50% · 4.625%
HK$63,901
+HK$3,665/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,472/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,058
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,749
−HK$1,716/mo
Today · 4.125%
HK$66,465
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$3,503/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,930/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,877
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$75,143
−HK$2,304/mo
Today · 4.125%
HK$77,447
baseline
▲ 0.50% · 4.625%
HK$82,159
+HK$4,712/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,894/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,074
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,249
−HK$2,206/mo
Today · 4.125%
HK$85,455
baseline
▲ 0.50% · 4.625%
HK$89,959
+HK$4,504/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,910/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$665,830 · Scale 2, in force from 26 Feb 2026)