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$40,629
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,284/mo
Today · 4.125%
HK$43,177
baseline
▲ 0.50% · 4.625%
HK$45,804
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,354/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,199
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,411
−HK$1,230/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,152
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,754
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,271
−HK$1,541/mo
Today · 4.125%
HK$51,812
baseline
▲ 0.50% · 4.625%
HK$54,964
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,624/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,239
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,694
−HK$1,475/mo
Today · 4.125%
HK$57,169
baseline
▲ 0.50% · 4.625%
HK$60,183
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,338/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,880
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,650
−HK$1,797/mo
Today · 4.125%
HK$60,447
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,678/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$120,894/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,279
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,976
−HK$1,721/mo
Today · 4.125%
HK$66,697
baseline
▲ 0.50% · 4.625%
HK$70,213
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$133,394/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,132
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,407
−HK$2,311/mo
Today · 4.125%
HK$77,718
baseline
▲ 0.50% · 4.625%
HK$82,447
+HK$4,729/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,436/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,358
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,540
−HK$2,214/mo
Today · 4.125%
HK$85,754
baseline
▲ 0.50% · 4.625%
HK$90,274
+HK$4,520/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,508/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,161 · Scale 2, in force from 26 Feb 2026)