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$40,631
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,895
−HK$1,284/mo
Today · 4.125%
HK$43,179
baseline
▲ 0.50% · 4.625%
HK$45,806
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,358/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,201
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,414
−HK$1,229/mo
Today · 4.125%
HK$47,643
baseline
▲ 0.50% · 4.625%
HK$50,155
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,286/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,757
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,274
−HK$1,540/mo
Today · 4.125%
HK$51,814
baseline
▲ 0.50% · 4.625%
HK$54,967
+HK$3,153/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,628/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,242
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,696
−HK$1,476/mo
Today · 4.125%
HK$57,172
baseline
▲ 0.50% · 4.625%
HK$60,186
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,344/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,883
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,652
−HK$1,798/mo
Today · 4.125%
HK$60,450
baseline
▲ 0.50% · 4.625%
HK$64,128
+HK$3,678/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$120,900/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,282
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,979
−HK$1,722/mo
Today · 4.125%
HK$66,701
baseline
▲ 0.50% · 4.625%
HK$70,217
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$133,402/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,135
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,410
−HK$2,312/mo
Today · 4.125%
HK$77,722
baseline
▲ 0.50% · 4.625%
HK$82,451
+HK$4,729/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,444/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,362
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,544
−HK$2,214/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,279
+HK$4,521/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,195 · Scale 2, in force from 26 Feb 2026)