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$40,626
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,284/mo
Today · 4.125%
HK$43,173
baseline
▲ 0.50% · 4.625%
HK$45,800
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,346/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,196
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,408
−HK$1,229/mo
Today · 4.125%
HK$47,637
baseline
▲ 0.50% · 4.625%
HK$50,148
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,274/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,751
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,267
−HK$1,541/mo
Today · 4.125%
HK$51,808
baseline
▲ 0.50% · 4.625%
HK$54,960
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,616/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,235
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,689
−HK$1,476/mo
Today · 4.125%
HK$57,165
baseline
▲ 0.50% · 4.625%
HK$60,178
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,330/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,876
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,645
−HK$1,798/mo
Today · 4.125%
HK$60,443
baseline
▲ 0.50% · 4.625%
HK$64,120
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,886/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,274
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,971
−HK$1,721/mo
Today · 4.125%
HK$66,692
baseline
▲ 0.50% · 4.625%
HK$70,208
+HK$3,516/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,384/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,126
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,401
−HK$2,311/mo
Today · 4.125%
HK$77,712
baseline
▲ 0.50% · 4.625%
HK$82,440
+HK$4,728/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,424/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,352
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,534
−HK$2,213/mo
Today · 4.125%
HK$85,747
baseline
▲ 0.50% · 4.625%
HK$90,267
+HK$4,520/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,494/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,111 · Scale 2, in force from 26 Feb 2026)