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$40,660
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,925
−HK$1,284/mo
Today · 4.125%
HK$43,209
baseline
▲ 0.50% · 4.625%
HK$45,839
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,418/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,234
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,447
−HK$1,230/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,191
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,792
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,309
−HK$1,542/mo
Today · 4.125%
HK$51,851
baseline
▲ 0.50% · 4.625%
HK$55,006
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,702/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,280
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,736
−HK$1,477/mo
Today · 4.125%
HK$57,213
baseline
▲ 0.50% · 4.625%
HK$60,229
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,426/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,924
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,694
−HK$1,799/mo
Today · 4.125%
HK$60,493
baseline
▲ 0.50% · 4.625%
HK$64,174
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,986/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,327
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,025
−HK$1,723/mo
Today · 4.125%
HK$66,748
baseline
▲ 0.50% · 4.625%
HK$70,267
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,496/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,188
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,464
−HK$2,313/mo
Today · 4.125%
HK$77,777
baseline
▲ 0.50% · 4.625%
HK$82,510
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,554/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,420
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,604
−HK$2,215/mo
Today · 4.125%
HK$85,819
baseline
▲ 0.50% · 4.625%
HK$90,343
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,638/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,671 · Scale 2, in force from 26 Feb 2026)