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$40,500
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,759
−HK$1,280/mo
Today · 4.125%
HK$43,039
baseline
▲ 0.50% · 4.625%
HK$45,658
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,078/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,055
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,264
−HK$1,226/mo
Today · 4.125%
HK$47,490
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,980/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,111
−HK$1,536/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,790
+HK$3,143/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,066
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,516
−HK$1,471/mo
Today · 4.125%
HK$56,987
baseline
▲ 0.50% · 4.625%
HK$59,991
+HK$3,004/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$113,974/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,699
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,463
−HK$1,792/mo
Today · 4.125%
HK$60,255
baseline
▲ 0.50% · 4.625%
HK$63,921
+HK$3,666/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,510/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,077
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,769
−HK$1,716/mo
Today · 4.125%
HK$66,485
baseline
▲ 0.50% · 4.625%
HK$69,990
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,970/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,899
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,167
−HK$2,304/mo
Today · 4.125%
HK$77,471
baseline
▲ 0.50% · 4.625%
HK$82,185
+HK$4,714/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,942/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,100
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,275
−HK$2,206/mo
Today · 4.125%
HK$85,481
baseline
▲ 0.50% · 4.625%
HK$89,987
+HK$4,506/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,962/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,037 · Scale 2, in force from 26 Feb 2026)