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$40,654
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,918
−HK$1,285/mo
Today · 4.125%
HK$43,203
baseline
▲ 0.50% · 4.625%
HK$45,832
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,406/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,227
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,440
−HK$1,230/mo
Today · 4.125%
HK$47,670
baseline
▲ 0.50% · 4.625%
HK$50,183
+HK$2,513/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,340/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,785
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,542/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,998
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,272
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,728
−HK$1,476/mo
Today · 4.125%
HK$57,204
baseline
▲ 0.50% · 4.625%
HK$60,220
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,408/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,915
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,798/mo
Today · 4.125%
HK$60,484
baseline
▲ 0.50% · 4.625%
HK$64,165
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,968/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,016
−HK$1,723/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,256
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,177
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,453
−HK$2,313/mo
Today · 4.125%
HK$77,766
baseline
▲ 0.50% · 4.625%
HK$82,497
+HK$4,731/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,532/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,408
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,592
−HK$2,215/mo
Today · 4.125%
HK$85,807
baseline
▲ 0.50% · 4.625%
HK$90,330
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,614/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,573 · Scale 2, in force from 26 Feb 2026)