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$40,640
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,284/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,816
+HK$2,628/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,211
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,424
−HK$1,230/mo
Today · 4.125%
HK$47,654
baseline
▲ 0.50% · 4.625%
HK$50,166
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,308/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,768
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,541/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,979
+HK$3,153/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,254
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,709
−HK$1,476/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,199
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,896
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,666
−HK$1,798/mo
Today · 4.125%
HK$60,464
baseline
▲ 0.50% · 4.625%
HK$64,143
+HK$3,679/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,928/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,296
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,994
−HK$1,722/mo
Today · 4.125%
HK$66,716
baseline
▲ 0.50% · 4.625%
HK$70,232
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,432/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,152
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,427
−HK$2,312/mo
Today · 4.125%
HK$77,739
baseline
▲ 0.50% · 4.625%
HK$82,469
+HK$4,730/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,478/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,381
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,563
−HK$2,214/mo
Today · 4.125%
HK$85,777
baseline
▲ 0.50% · 4.625%
HK$90,299
+HK$4,522/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,554/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,344 · Scale 2, in force from 26 Feb 2026)