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$40,665
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,930
−HK$1,285/mo
Today · 4.125%
HK$43,215
baseline
▲ 0.50% · 4.625%
HK$45,845
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,430/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,240
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,453
−HK$1,231/mo
Today · 4.125%
HK$47,684
baseline
▲ 0.50% · 4.625%
HK$50,197
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,368/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,798
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,542/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$55,014
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,288
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,744
−HK$1,477/mo
Today · 4.125%
HK$57,221
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,442/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,931
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,702
−HK$1,799/mo
Today · 4.125%
HK$60,501
baseline
▲ 0.50% · 4.625%
HK$64,183
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$121,002/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,336
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,034
−HK$1,723/mo
Today · 4.125%
HK$66,757
baseline
▲ 0.50% · 4.625%
HK$70,276
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,514/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,197
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,474
−HK$2,314/mo
Today · 4.125%
HK$77,788
baseline
▲ 0.50% · 4.625%
HK$82,521
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,576/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,431
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,615
−HK$2,216/mo
Today · 4.125%
HK$85,831
baseline
▲ 0.50% · 4.625%
HK$90,355
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,662/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,761 · Scale 2, in force from 26 Feb 2026)